Atupri

What Atupri does

Atupri Gesundheitsversicherung AG is a privately held Swiss health insurance company (Krankenkasse) headquartered at Laupenstrasse 18, 3008 Bern, regulated under the federal Health Insurance Act (KVG/LAMal). It serves individuals and families residing in Switzerland, distributing mandatory basic health insurance through six managed-care models (standard, SmartCare, TelFirst, FlexCare, HMO, CareMed) that offer approximately 10% premium savings versus the standard tier. Supplementary insurance (VVG/LCA) products extend the portfolio across dental (Denta), hospital (Ospedale), daily allowance (IDI), travel, age-segmented coverage (Mivita Reala), premium comprehensive coverage (Intense), comfort benefits (Comforta), and basic supplementary coverage. Customers are supported in German, French, and Italian via three physical Service Centers in Bern, Lausanne, and Zürich, a digital customer portal (myAtupri) accessible via browser and mobile app, and a 24/7 medical hotline.

The technology stack is centered on the myAtupri self-service portal (claim submission, policy management, document upload, insurance card access, tax certificates) and the Atupri Medgate App, a white-labeled telemedicine client powered by a core partnership with Medgate providing video and phone consultations with over 100 recognized physicians to SmartCare, TelFirst, and FlexCare customers. Payment infrastructure supports eBill integration with Swiss e-banking, PostFinance Debit Direct, and differentiated cryptocurrency settlement for premiums. Adjacent integrations include the EMR therapist registry, lista-dei-medici.ch family-doctor network, Health Yourself home testing (15% member discount), and Medicall emergency hotline for abroad assistance. The Spotlight content portal delivers SEO-driven health editorial authored by medical professionals.

The revenue model is subscription-recurring across two streams: monthly or annual basic-insurance premiums that vary by canton, age, and deductible; and subscription premiums for voluntary supplementary products. Distribution is direct-to-consumer via digital self-service, telephone, and physical Service Centers, with no broker or corporate channel disclosed. Atupri does not disclose revenue, headcount, funding history, ownership structure, or M&A activity in the public record, consistent with an independently operated, non-PE/VC-backed sickness fund.

Name

Atupri

Legal name

Atupri Gesundheitsversicherung AG

Website

https://atupri.ch

Company type

Private

Operating status

Operating

Short description

Atupri is a privately held Swiss health insurer offering mandatory basic insurance (KVG/LAMal) in six managed-care models and a portfolio of supplementary insurances (dental, hospital, daily allowance, travel) to Swiss residents, distributed via the myAtupri digital portal, Medgate telemedicine app, and three Service Centers across Bern, Lausanne, and Zürich.

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Accident & Health Insurance (6321), Hospital & Medical Service Plans (6324)

akta.pro primary industry

Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)

akta.pro secondary industries

Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ), Membership/Subscription Concierge Virtual Care (HLALAAAH)

Keywords

• Health insurance
• Mandatory basic insurance
• Supplementary health insurance
• Telemedicine services
• Swiss health insurer

Headquarters

HQ city

Bern

HQ country

Switzerland

HQ region

Europe

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Basic Health Insurance Premiums (KVG/LAMal): Mandatory basic health insurance with premiums collected monthly or annually. Premium amounts vary by canton, age group, and chosen deductible. Customers can save approximately 10% by choosing alternative insurance models.
2. Supplementary Insurance Premiums (VVG/LCA): Optional supplementary insurance products including hospital, dental, travel, and daily allowance insurance. Premiums are collected on subscription basis with various coverage levels.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Atupri is a Swiss health insurance company selling mandatory basic health insurance (Grundversicherung / KVG/LAMal) offered in six managed-care models, complemented by a portfolio of optional supplementary insurance products (VVG/LCA) covering hospital, dental, travel, daily allowance, and comfort benefits. Insurance administration, claims submission, and customer communication are delivered through the myAtupri digital portal and mobile app, with 24/7 medical consultations provided via the Atupri Medgate telemedicine app.

Product overview

Atupri is a Swiss health insurance company offering a comprehensive portfolio of insurance products centered around mandatory basic health insurance (Grundversicherung) available in six models, supplemented by multiple optional supplementary insurances. The core offering includes the digital customer portal myAtupri and the Atupri Medgate App for telemedicine services. Supplementary products include Basic, Mivita Reala (age-segmented), Intense (premium with mental health and contraception coverage), Denta (dental), Comforta (comfort benefits), Ospedale (hospital), IDI (daily allowance), travel insurance, and daily allowance for household expenses. The digital ecosystem enables customers to manage policies, submit claims, access medical consultations, and find healthcare providers through integrated third-party platforms.

Differentiator

Problem solved

Functional benefit

Brands

• myAtupri: Digital customer portal and mobile app for managing insurance matters, submitting claims, and accessing services
• Atupri Medgate App
• Medgate

Products and services

• Grundversicherung (Mandatory Basic Health Insurance) Swiss mandatory basic health insurance (KVG/LAMal) available in six models for Swiss residents, with premiums varying by canton, age, and deductible, and alternative models offering approximately 10% savings versus the standard model.
• myAtupri Digital Customer Portal Digital customer portal accessible via browser and mobile app that lets Atupri policyholders manage insurance policies, submit and track claims, upload documents, view insurance cards, and access tax certificates.
• Atupri Medgate App (Telemedicine) Telemedicine app providing 24/7 medical consultations via video or phone with over 100 recognized physicians, including symptom checker, appointment booking, secure document sharing, and treatment plan delivery. Available to SmartCare, TelFirst, and FlexCare model customers, with free medical consultations for TelFirst and FlexCare users.
• Basic Supplementary Insurance Supplementary insurance providing basic complementary coverage beyond the mandatory health insurance for Swiss residents seeking incremental protection.
• Mivita Reala (Age-Segmented Supplementary Insurance) Age-segmented supplementary insurance with customized coverage for different life stages (0-12, 13-25 female/male, 26-44 female/male, 45-59 female/male, and 60+ years).
• Intense Premium Supplementary Insurance Premium supplementary insurance covering contraception (75% up to CHF 1,000 including vasectomy), mental health, health promotion, and comprehensive complementary benefits.
• Denta Dental Insurance Dental insurance providing coverage for dental treatments and procedures for Swiss residents seeking coverage beyond mandatory basic insurance.
• Comforta Supplementary Insurance Supplementary insurance offering comfort-oriented benefits and enhanced coverage options for Swiss residents seeking broader protection.
• Ospedale Hospital Insurance Hospital insurance providing enhanced coverage for inpatient treatments, hospital stays, and related medical services in Switzerland and abroad.
• IDI Daily Allowance Insurance Daily allowance insurance (Indennità Giornaliera) providing financial benefits to policyholders during illness or hospitalization.
• Travel Insurance (Assicurazione Viaggi) Travel insurance covering medical emergencies abroad, illness, and accidents with minimum 1-month duration and no cancellation requirements.
• Household Daily Allowance Insurance (Indennità Giornaliera Economia Domestica) Daily allowance insurance covering household expenses for policyholders during illness or disability.

Quantifiable outcome

• Potential savings of approximately 10% on premiums through alternative insurance models
• +1 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature2 records

Partnerships

Three partnerships are on record, tiered core and minor.

• MedgatecoreTechnology or IntegrationMedgate provides the Atupri Medgate App for 24/7 telemedicine consultations. Over 100 recognized physicians offer medical advice via phone or video. SmartCare, TelFirst, and FlexCare model customers have app-based access, while TelFirst and FlexCare customers receive free medical consultations.
• Health YourselfminorStrategic or Co-development PartnerHealth testing partner offering services including testosterone testing, egg quality tests, nutrient deficiency tests, and general health measurements. Atupri customers receive 15% discount on Health Yourself services.
• MedicallminorOthersEmergency hotline service for customers abroad. Phone: +41 (0)44 655 11 55. Provides immediate medical assistance coordination for emergencies outside Switzerland.

Scale indicators1 record

Recent moves5 records

Expansion highlights5 records

Direct peers

• Sympany: Swiss sickness fund offering KVG basic and supplementary insurance with digital customer portals — directly comparable to Atupri's myAtupri-led digital model.
• SWICA: Swiss health insurer emphasizing managed-care models (e.g., Favorit, Medica) and supplementary products — directly competes with Atupri's SmartCare/TelFirst/FlexCare alternative-model strategy.
• Sanitas: Swiss health insurance group offering Grundversicherung across multiple model variants plus supplementary insurance; comparable in scope, digital strategy, and customer base to Atupri.
• Assura: Major Swiss sickness fund focused on basic insurance with broad agent-led distribution; competing for the same Swiss resident customer base as Atupri.
• Visana: Swiss health and accident insurer with KVG basic insurance and supplementary products; comparable mid-tier size and product scope.
• Concordia: Swiss-wide sickness fund with KVG basic insurance and broad supplementary offering; similar size tier and product architecture to Atupri.
• Groupe Mutuel: Swiss mutual insurer offering KVG basic insurance and VVG supplementary products across language regions; comparable breadth of portfolio and tri-lingual coverage.
• ÖKK: Swiss health insurer offering KVG basic insurance and supplementary products; comparable mid-tier scale and customer-targeting to Atupri.
• CSS Versicherung: Largest Swiss sickness fund offering mandatory KVG basic insurance and supplementary VVG products across all cantons; closest direct competitor to Atupri on product mix and distribution model.
• Helsana: Major Swiss health insurer providing KVG basic and VVG supplementary insurance with multiple alternative insurance models — directly comparable product portfolio and target customer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Atupri