Aquilana SMARTMED — Region 3, Grisons
Region 3, Grisons: the SMARTMED model from Aquilana costs CHF 466.20 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 466.20, SMARTMED is not the lowest premium here: vita surselva goes down to CHF 404.70. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SMARTMED costs CHF 835.20 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 466.20 | CHF 433.60 |
| 500 | CHF 456.10 | CHF 424.30 |
| 1'000 | CHF 430.70 | CHF 400.60 |
| 1'500 | CHF 405.40 | CHF 377.00 |
| 2'000 | CHF 380.00 | CHF 353.40 |
| 2'500 | CHF 346.40 | CHF 322.20 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 345.00 | CHF 320.90 |
| 500 | CHF 334.90 | CHF 311.50 |
| 1'000 | CHF 309.50 | CHF 287.90 |
| 1'500 | CHF 284.20 | CHF 264.40 |
| 2'000 | CHF 258.80 | CHF 240.70 |
| 2'500 | CHF 238.70 | CHF 222.10 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 107.30 | CHF 99.80 |
| 100 | CHF 102.30 | CHF 95.10 |
| 200 | CHF 97.20 | CHF 90.40 |
| 300 | CHF 92.20 | CHF 85.70 |
| 400 | CHF 87.00 | CHF 81.00 |
| 500 | CHF 80.10 | CHF 74.60 |
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
- 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.