Atupri SmartCare — Region 1, St. Gallen
Region 1, St. Gallen: the SmartCare model from Atupri costs CHF 489.30 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 489.30, SmartCare is not the lowest premium here: Sanitas goes down to CHF 479.65. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SmartCare costs CHF 838.80 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.
The full grid
Adult (26 and over)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 489.30 | CHF 464.80 |
| 500 | CHF 477.70 | CHF 453.80 |
| 1'000 | CHF 448.50 | CHF 426.10 |
| 1'500 | CHF 419.30 | CHF 398.30 |
| 2'000 | CHF 390.20 | CHF 370.70 |
| 2'500 | CHF 361.00 | CHF 343.00 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 367.00 | CHF 348.70 |
| 500 | CHF 355.40 | CHF 337.60 |
| 1'000 | CHF 326.20 | CHF 309.90 |
| 1'500 | CHF 297.00 | CHF 282.20 |
| 2'000 | CHF 267.90 | CHF 254.50 |
| 2'500 | CHF 238.70 | CHF 226.80 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 132.10 | CHF 125.50 |
| 100 | CHF 126.30 | CHF 120.00 |
| 200 | CHF 120.50 | CHF 114.50 |
| 400 | CHF 108.80 | CHF 103.40 |
| 600 | CHF 97.10 | CHF 92.20 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Fribourg — Region 1
- Fribourg — Region 2
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
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.