I'm with Atupri since 4 years. They are honest, and helpful. reimbursements come in time, never needed to complain. The service centers have operators who speak English (SC Zurich) and French (SC Lausanne), are very friendly and get stuff done efficiently.
I insured my daughter there too, the wife will join in next year.
As you said they are much cheaper, it makes a huge difference for the family!