Atupri SmartCare — Region 2, St. Gallen
Region 2, St. Gallen: the SmartCare model from Atupri costs CHF 445.20 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 445.20, SmartCare is not the lowest premium here: Agrisano goes down to CHF 419.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SmartCare costs CHF 790.80 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 445.20 | CHF 422.90 |
| 500 | CHF 433.60 | CHF 411.90 |
| 1'000 | CHF 404.40 | CHF 384.20 |
| 1'500 | CHF 375.20 | CHF 356.40 |
| 2'000 | CHF 346.10 | CHF 328.80 |
| 2'500 | CHF 316.90 | CHF 301.10 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 333.90 | CHF 317.20 |
| 500 | CHF 322.30 | CHF 306.20 |
| 1'000 | CHF 293.10 | CHF 278.40 |
| 1'500 | CHF 263.90 | CHF 250.70 |
| 2'000 | CHF 234.80 | CHF 223.10 |
| 2'500 | CHF 205.60 | CHF 195.30 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 120.20 | CHF 114.20 |
| 100 | CHF 114.40 | CHF 108.70 |
| 200 | CHF 108.60 | CHF 103.20 |
| 400 | CHF 96.90 | CHF 92.10 |
| 600 | CHF 85.20 | CHF 80.90 |
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 1
- 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.