CSS or Atupri in Region 3 of canton Zurich?
In Region 3, Atupri is CHF 40.80 a year cheaper than CSS for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
Atupri comes down to CHF 469.00 a month, CSS to CHF 472.40. The gap is CHF 40.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 427.80 a month. Moving there rather than to Atupri is worth CHF 494.40 more a year. Agrisano
Where they stand in the region
CSS ranks 18 and Atupri ranks 15, out of 27 active insurers in this region.
Deductible by deductible
With free choice of doctor, the one model every insurer offers — and therefore the only one where a row-by-row comparison compares the same thing.
| Deductible | CSS | Atupri | Gap |
|---|---|---|---|
| 300 | CHF 559.00 | CHF 528.10 | + 30.90 |
| 500 | CHF 547.40 | CHF 516.50 | + 30.90 |
| 1'000 | CHF 518.20 | CHF 487.30 | + 30.90 |
| 1'500 | CHF 489.00 | CHF 458.10 | + 30.90 |
| 2'000 | CHF 459.90 | CHF 429.00 | + 30.90 |
| 2'500 | CHF 430.70 | CHF 399.80 | + 30.90 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Atupri |
|---|---|---|
| Family doctor | CHF 472.40 | CHF 471.60 |
| Other model | CHF 505.90 | CHF 470.00 |
| Free choice of doctor | CHF 559.00 | CHF 528.10 |
| HMO practice | — | CHF 469.00 |
How they moved in this region
Against 2025, CSS moves by + 4.9 % and Atupri by + 5.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.