Helsana or Atupri in Region 2 of canton St. Gallen?
In Region 2, Atupri is CHF 176.40 a year cheaper than Helsana 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 443.90 a month, Helsana to CHF 458.60. The gap is CHF 176.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 419.60 a month. Moving there rather than to Atupri is worth CHF 291.60 more a year. Agrisano
Where they stand in the region
Helsana ranks 12 and Atupri ranks 2, out of 25 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 546.00 | CHF 511.10 | + 34.90 |
| 500 | CHF 534.40 | CHF 499.50 | + 34.90 |
| 1'000 | CHF 505.20 | CHF 470.30 | + 34.90 |
| 1'500 | CHF 476.00 | CHF 441.10 | + 34.90 |
| 2'000 | CHF 446.90 | CHF 412.00 | + 34.90 |
| 2'500 | CHF 417.70 | CHF 382.80 | + 34.90 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | Atupri |
|---|---|---|
| Family doctor | CHF 458.60 | CHF 470.20 |
| Other model | CHF 480.40 | CHF 445.20 |
| Free choice of doctor | CHF 546.00 | CHF 511.10 |
| HMO practice | — | CHF 443.90 |
How they moved in this region
Against 2025, Helsana moves by + 6.7 % and Atupri by + 4.6 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.