vita surselva Sparmed — Region 2, Bern
Region 2, Bern: the Sparmed model from vita surselva costs CHF 624.15 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 624.15, Sparmed is not the lowest premium here: Visana goes down to CHF 493.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Sparmed costs CHF 394.20 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 624.15 | CHF 620.40 |
| 500 | CHF 612.90 | CHF 609.20 |
| 1'000 | CHF 586.70 | CHF 583.20 |
| 1'500 | CHF 555.50 | CHF 552.15 |
| 2'000 | CHF 527.40 | CHF 524.25 |
| 2'500 | CHF 499.30 | CHF 496.30 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 490.20 | CHF 487.25 |
| 500 | CHF 480.40 | CHF 477.50 |
| 1'000 | CHF 455.90 | CHF 453.15 |
| 1'500 | CHF 426.45 | CHF 423.90 |
| 2'000 | CHF 397.05 | CHF 394.65 |
| 2'500 | CHF 369.60 | CHF 367.40 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 137.75 | CHF 136.90 |
| 100 | CHF 132.25 | CHF 131.45 |
| 200 | CHF 126.75 | CHF 126.00 |
| 300 | CHF 121.20 | CHF 120.45 |
| 400 | CHF 115.70 | CHF 115.00 |
| 500 | CHF 108.80 | CHF 108.15 |
| 600 | CHF 103.30 | CHF 102.70 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- 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.