vita surselva Sparmed — Aargau
Aargau: the Sparmed model from vita surselva costs CHF 526.00 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 526.00, Sparmed is not the lowest premium here: Agrisano goes down to CHF 453.80. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Sparmed costs CHF 324.00 less per year than vita surselva'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 526.00 | CHF 522.85 |
| 500 | CHF 515.50 | CHF 512.40 |
| 1'000 | CHF 488.15 | CHF 485.20 |
| 1'500 | CHF 457.60 | CHF 454.85 |
| 2'000 | CHF 431.30 | CHF 428.70 |
| 2'500 | CHF 399.25 | CHF 396.85 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 446.00 | CHF 443.30 |
| 500 | CHF 437.10 | CHF 434.50 |
| 1'000 | CHF 410.30 | CHF 407.85 |
| 1'500 | CHF 379.10 | CHF 376.85 |
| 2'000 | CHF 347.90 | CHF 345.80 |
| 2'500 | CHF 318.45 | CHF 316.55 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 125.00 | CHF 124.25 |
| 100 | CHF 120.00 | CHF 119.30 |
| 200 | CHF 113.75 | CHF 113.05 |
| 300 | CHF 107.50 | CHF 106.85 |
| 400 | CHF 102.50 | CHF 101.90 |
| 500 | CHF 96.25 | CHF 95.65 |
| 600 | CHF 90.00 | CHF 89.45 |
The price, region by region
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schwyz
- Thurgau
- Zurich — Region 1
- Zurich — Region 2
- Zurich — Region 3
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.