Atupri Health Insurance

Health insurance provider

Atupri - Premium development

Canton

Age group

Premium calculation is based on a deductible rate of CHF 300 (deductible rate of CHF 0 in case of children) with inclusion of accidents. When selecting a canton, premium region 1 will be displayed. Not all insurances are on offer in every canton. Where a specific insurance is not available, the premium development view will remain empty.

More about Atupri

Forum entries Customer satisfaction Administrative efficiency Company details

Experiences and questions regarding Atupri in our forum

None

Customer satisfaction with Atupri

good(5.14)

Bewertungskriterien
Valuation basis
Comparis Rating

good(5.16)

Competence and helpfulness of employees

good(5.14)

Statements (clarity, prompt payment, goodwill etc.)

good(5.06)

Clarity and comprehensibility of customer information

In 2016, comparis.ch conducted a representative survey on customer satisfaction with the Swiss health insurance companies in collaboration with the market research institution, GfK. A total of more than 2400 persons from all linguistic regions of Switzerland were surveyed. They rated the competence and commitment of the insurance employees, their satisfaction with the invoicing process, and the comprehensibility of customer information.

Mark 6.0 – 5.5: excellent
Mark 5.4 – 5.0: good
Mark 4.9 – 4.5: satisfactory
Mark 4.4 – 4.0: adequate
Mark 3.9 – 1.0: inadequate

All answers from one respondent about a provider are taken to calculate the total rating from the same respondent. A provider's final rating corresponds to the rounded mean value of all these total ratings. The final ratings as given by comparis.ch are based on the Swiss school grading system.

Atupri - efficiency of administration

Administrative costs

3.5% of premiums

Collection of data 11/2016

When is a health insurance company efficient?

Health insurance companies are considered efficient
if their administrative costs are less than 4.2% of premiums.

Atupri – company details

Reserves of the health insurer Atupri	2014	2015
Number of policyholders More information Number of policyholders Average number of policyholders in the previous year (basic insurance only).	168,325	160,555
Reserves in millions of CHF More information Reserves in millions of CHF Including reserves for optional daily benefits insurance.	117.1	121.0
Minimum reserves in millions of CHF More information Minimum reserves in millions of CHF Since 2012, the minimum amount of reserves has been determined based on a model that takes the insurance companies' individual risks into account (Health Insurance Act (KVG) solvency test, cf. Art. 78ff Health Insurance Ordinance (KVV)). Insurance companies whose reserves are below the minimum amount (solvency ratio < 100%) are subject to the old reserve requirements until 2016.	91.6	93.9
Solvency ratio More information Solvency ratio The solvency ratio indicates the ratio between the existing reserves and the minimum amount.	128.0%	129.0%

comparis.ch displays the supervision data published by the FOPH. comparis.ch does not guarantee the accuracy of the data. Last updated: 26.09.2016

About Atupri

Atupri was founded in 1910 as the company health insurance fund of SBB. It later developed into a health insurance provider open for everybody, especially after the introduction of the Health Insurance Act (KVG) in 1996.

Benefits covered under basic insurance

The Health Insurance Act (KVG) defines the Swiss catalogue of benefits as insured by the health insurance companies.

Switching to Atupri

For the mandatory basic insurance, health insurance providers must accept all applicants irrespective of age, gender or state of health. Generally, changing one's basic insurance is possible at the end of the year.

Area of activity of Atupri

The mandatory basic insurance (standard model) can be taken out by individuals from any canton. In addition, Atupri also offers alternative insurance models. However, not all of these are available everywhere in Switzerland. You can find out most easily if these are offered in your place of residence by making a premium comparison.