vita surselva Sparmed — Appenzell Ausserrhoden
Appenzell Ausserrhoden: the Sparmed model from vita surselva costs CHF 489.00 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 489.00, Sparmed is not the lowest premium here: Agrisano goes down to CHF 412.30. 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 489.00 | CHF 486.05 |
| 500 | CHF 479.20 | CHF 476.30 |
| 1'000 | CHF 449.90 | CHF 447.20 |
| 1'500 | CHF 420.55 | CHF 418.05 |
| 2'000 | CHF 391.20 | CHF 388.85 |
| 2'500 | CHF 362.35 | CHF 360.20 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 378.00 | CHF 375.75 |
| 500 | CHF 370.45 | CHF 368.25 |
| 1'000 | CHF 340.20 | CHF 338.15 |
| 1'500 | CHF 309.95 | CHF 308.10 |
| 2'000 | CHF 279.70 | CHF 278.00 |
| 2'500 | CHF 251.75 | CHF 250.25 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 114.00 | CHF 113.30 |
| 100 | CHF 108.30 | CHF 107.65 |
| 200 | CHF 102.60 | CHF 102.00 |
| 300 | CHF 96.90 | CHF 96.30 |
| 400 | CHF 91.20 | CHF 90.65 |
| 500 | CHF 85.50 | CHF 85.00 |
| 600 | CHF 79.80 | CHF 79.30 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- 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.