Visana or Atupri in Region 3 of canton St. Gallen?
In Region 3, Atupri is CHF 742.80 a year cheaper than Visana 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, Visana to CHF 505.00. The gap is CHF 742.80 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
Visana ranks 22 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 | Visana | Atupri | Gap |
|---|---|---|---|
| 300 | CHF 594.10 | CHF 511.10 | + 83.00 |
| 500 | CHF 587.40 | CHF 499.50 | + 87.90 |
| 1'000 | CHF 553.30 | CHF 470.30 | + 83.00 |
| 1'500 | CHF 524.10 | CHF 441.10 | + 83.00 |
| 2'000 | CHF 494.90 | CHF 412.00 | + 82.90 |
| 2'500 | CHF 465.80 | CHF 382.80 | + 83.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Visana | Atupri |
|---|---|---|
| HMO practice | CHF 505.00 | CHF 458.50 |
| Other model | CHF 511.00 | CHF 443.10 |
| Family doctor | CHF 511.00 | CHF 465.10 |
| Free choice of doctor | CHF 594.10 | CHF 511.10 |
How they moved in this region
Against 2025, Visana moves by + 1.2 % and Atupri by + 5.8 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.