Atupri HMO — Region 3, St. Gallen

Region 3, St. Gallen: the HMO model from Atupri costs CHF 458.50 a month for an adult with a CHF 300 deductible and accident cover, in 2026. The table below gives the whole grid: every age band, every deductible, with and without accident cover.

At CHF 458.50, HMO is not the lowest premium here: Agrisano goes down to CHF 401.60. A named model does not guarantee the best price — it guarantees a care pathway.

On average, HMO costs CHF 631.20 less per year than Atupri's basic insurance in the same place, for exactly the same cover defined by law. In exchange, you accept the model's care pathway.

An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.

Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.