Aquilana SMARTMED — Region 3, Zurich
Region 3, Zurich: the SMARTMED model from Aquilana costs CHF 463.20 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 463.20, SMARTMED is not the lowest premium here: Agrisano goes down to CHF 427.80. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SMARTMED costs CHF 830.40 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 463.20 | CHF 430.90 |
| 500 | CHF 453.10 | CHF 421.50 |
| 1'000 | CHF 427.70 | CHF 397.80 |
| 1'500 | CHF 402.40 | CHF 374.30 |
| 2'000 | CHF 377.00 | CHF 350.70 |
| 2'500 | CHF 343.50 | CHF 319.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 342.80 | CHF 318.90 |
| 500 | CHF 332.70 | CHF 309.50 |
| 1'000 | CHF 307.30 | CHF 285.80 |
| 1'500 | CHF 282.00 | CHF 262.40 |
| 2'000 | CHF 256.60 | CHF 238.70 |
| 2'500 | CHF 236.50 | CHF 220.10 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 106.60 | CHF 99.20 |
| 100 | CHF 101.60 | CHF 94.50 |
| 200 | CHF 96.50 | CHF 89.80 |
| 300 | CHF 91.50 | CHF 85.10 |
| 400 | CHF 86.40 | CHF 80.40 |
| 500 | CHF 79.40 | CHF 73.90 |
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
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
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.