Sanitas or Atupri in Region 3 of canton Bern?

In Region 3, Sanitas is CHF 183.00 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

Sanitas comes down to CHF 495.45 a month, Atupri to CHF 510.70. The gap is CHF 183.00 a year, 300-franc deductible, accident cover included.

What the question hides

Neither is the cheapest here: that is Agrisano, at CHF 447.50 a month. Moving there rather than to Sanitas is worth CHF 575.40 more a year. Agrisano

Where they stand in the region

Sanitas ranks 11 and Atupri ranks 21, out of 26 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	Sanitas	Atupri	Gap
300	CHF 569.50	CHF 583.60	− 14.10
500	CHF 557.90	CHF 572.00	− 14.10
1'000	CHF 528.70	CHF 542.80	− 14.10
1'500	CHF 499.50	CHF 513.60	− 14.10
2'000	CHF 470.40	CHF 484.50	− 14.10
2'500	CHF 441.20	CHF 455.30	− 14.10

Model by model

Each insurer’s lowest rate in each model type, 300-franc deductible.

Model	Sanitas	Atupri
Family doctor	CHF 495.45	CHF 525.20
Other model	CHF 512.60	CHF 510.70
HMO practice	CHF 518.30	CHF 513.60
Free choice of doctor	CHF 569.50	CHF 583.60

How they moved in this region

Against 2025, Sanitas moves by + 2.0 % and Atupri by + 6.2 % in this region.

Source: Federal Office of Public Health (FOPH), official premiums.