Sanitas or Atupri in Region 3 of canton St. Gallen?
In Region 3, Atupri is CHF 32.40 a year cheaper than Sanitas 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 443.10 a month, Sanitas to CHF 445.80. The gap is CHF 32.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 401.60 a month. Moving there rather than to Atupri is worth CHF 498.00 more a year. Agrisano
Where they stand in the region
Sanitas ranks 10 and Atupri ranks 8, 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 | Sanitas | Atupri | Gap |
|---|---|---|---|
| 300 | CHF 512.40 | CHF 511.10 | + 1.30 |
| 500 | CHF 500.80 | CHF 499.50 | + 1.30 |
| 1'000 | CHF 471.60 | CHF 470.30 | + 1.30 |
| 1'500 | CHF 442.40 | CHF 441.10 | + 1.30 |
| 2'000 | CHF 413.30 | CHF 412.00 | + 1.30 |
| 2'500 | CHF 384.10 | CHF 382.80 | + 1.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Sanitas | Atupri |
|---|---|---|
| Family doctor | CHF 445.80 | CHF 465.10 |
| Other model | CHF 461.20 | CHF 443.10 |
| HMO practice | CHF 466.30 | CHF 458.50 |
| Free choice of doctor | CHF 512.40 | CHF 511.10 |
How they moved in this region
Against 2025, Sanitas moves by + 4.1 % and Atupri by + 5.8 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.