Helsana or Atupri in Region 3 of canton Grisons?
In Region 3, Helsana is CHF 314.40 a year cheaper than Atupri for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
Helsana comes down to CHF 441.80 a month, Atupri to CHF 468.00. The gap is CHF 314.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is vita surselva, at CHF 404.70 a month. Moving there rather than to Helsana is worth CHF 445.20 more a year. vita surselva
Where they stand in the region
Helsana ranks 11 and Atupri ranks 21, out of 24 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 | Helsana | Atupri | Gap |
|---|---|---|---|
| 300 | CHF 526.00 | CHF 537.90 | − 11.90 |
| 500 | CHF 514.40 | CHF 526.30 | − 11.90 |
| 1'000 | CHF 485.20 | CHF 497.10 | − 11.90 |
| 1'500 | CHF 456.00 | CHF 467.90 | − 11.90 |
| 2'000 | CHF 426.90 | CHF 438.80 | − 11.90 |
| 2'500 | CHF 397.70 | CHF 409.60 | − 11.90 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | Atupri |
|---|---|---|
| Other model | CHF 441.80 | CHF 473.40 |
| Family doctor | CHF 447.10 | CHF 468.00 |
| Free choice of doctor | CHF 526.00 | CHF 537.90 |
How they moved in this region
Against 2025, Helsana moves by + 1.9 % and Atupri by + 4.4 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.