Aquilana SMARTMED — Obwalden
Obwalden: the SMARTMED model from Aquilana costs CHF 432.50 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 432.50, SMARTMED is not the lowest premium here: Agrisano goes down to CHF 382.80. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SMARTMED costs CHF 774.00 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 432.50 | CHF 402.30 |
| 500 | CHF 422.20 | CHF 392.80 |
| 1'000 | CHF 396.30 | CHF 368.60 |
| 1'500 | CHF 370.50 | CHF 344.70 |
| 2'000 | CHF 340.70 | CHF 316.90 |
| 2'500 | CHF 313.40 | CHF 291.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 320.10 | CHF 297.70 |
| 500 | CHF 309.80 | CHF 288.20 |
| 1'000 | CHF 283.90 | CHF 264.10 |
| 1'500 | CHF 258.10 | CHF 240.10 |
| 2'000 | CHF 231.10 | CHF 215.00 |
| 2'500 | CHF 215.60 | CHF 200.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 99.60 | CHF 92.60 |
| 100 | CHF 94.30 | CHF 87.70 |
| 200 | CHF 89.00 | CHF 82.90 |
| 300 | CHF 84.40 | CHF 78.60 |
| 400 | CHF 78.40 | CHF 73.00 |
| 500 | CHF 72.60 | CHF 67.50 |
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
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- 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.