Helsana or Atupri in Region 3 of canton Zurich?
In Region 3, Helsana is CHF 50.40 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 464.80 a month, Atupri to CHF 469.00. The gap is CHF 50.40 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 Helsana is worth CHF 444.00 more a year. Agrisano
Where they stand in the region
Helsana ranks 12 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 | Helsana | Atupri | Gap |
|---|---|---|---|
| 300 | CHF 560.00 | CHF 528.10 | + 31.90 |
| 500 | CHF 548.40 | CHF 516.50 | + 31.90 |
| 1'000 | CHF 519.20 | CHF 487.30 | + 31.90 |
| 1'500 | CHF 490.00 | CHF 458.10 | + 31.90 |
| 2'000 | CHF 460.90 | CHF 429.00 | + 31.90 |
| 2'500 | CHF 431.70 | CHF 399.80 | + 31.90 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | Atupri |
|---|---|---|
| Family doctor | CHF 464.80 | CHF 471.60 |
| Other model | CHF 476.00 | CHF 470.00 |
| Free choice of doctor | CHF 560.00 | CHF 528.10 |
| HMO practice | — | CHF 469.00 |
How they moved in this region
Against 2025, Helsana moves by + 5.2 % and Atupri by + 5.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.