Aquilana SMARTMED — Region 1, Grisons
Region 1, Grisons: the SMARTMED model from Aquilana costs CHF 507.80 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 507.80, SMARTMED is not the lowest premium here: Sanitas goes down to CHF 453.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SMARTMED costs CHF 909.60 less per year than Aquilana'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 507.80 | CHF 472.30 |
| 500 | CHF 497.80 | CHF 463.00 |
| 1'000 | CHF 472.40 | CHF 439.40 |
| 1'500 | CHF 447.10 | CHF 415.80 |
| 2'000 | CHF 421.70 | CHF 392.20 |
| 2'500 | CHF 387.20 | CHF 360.10 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 375.80 | CHF 349.60 |
| 500 | CHF 365.90 | CHF 340.30 |
| 1'000 | CHF 340.50 | CHF 316.70 |
| 1'500 | CHF 315.10 | CHF 293.00 |
| 2'000 | CHF 289.70 | CHF 269.50 |
| 2'500 | CHF 267.20 | CHF 248.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 116.90 | CHF 108.70 |
| 100 | CHF 111.90 | CHF 104.20 |
| 200 | CHF 106.90 | CHF 99.50 |
| 300 | CHF 101.80 | CHF 94.80 |
| 400 | CHF 96.70 | CHF 90.00 |
| 500 | CHF 89.50 | CHF 83.30 |
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 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- 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.