vita surselva Sparmed — Region 1, Grisons
Region 1, Grisons: the Sparmed model from vita surselva costs CHF 474.05 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 474.05, Sparmed is not the lowest premium here: Sanitas goes down to CHF 453.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Sparmed costs CHF 299.40 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 474.05 | CHF 471.20 |
| 500 | CHF 462.65 | CHF 459.85 |
| 1'000 | CHF 436.15 | CHF 433.55 |
| 1'500 | CHF 407.70 | CHF 405.25 |
| 2'000 | CHF 379.25 | CHF 376.95 |
| 2'500 | CHF 349.35 | CHF 347.25 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 404.70 | CHF 402.25 |
| 500 | CHF 394.20 | CHF 391.85 |
| 1'000 | CHF 364.25 | CHF 362.05 |
| 1'500 | CHF 335.90 | CHF 333.90 |
| 2'000 | CHF 307.55 | CHF 305.70 |
| 2'500 | CHF 280.25 | CHF 278.55 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 99.75 | CHF 99.15 |
| 100 | CHF 94.75 | CHF 94.20 |
| 200 | CHF 88.80 | CHF 88.25 |
| 300 | CHF 82.80 | CHF 82.30 |
| 400 | CHF 76.80 | CHF 76.35 |
| 500 | CHF 70.80 | CHF 70.40 |
| 600 | CHF 64.85 | CHF 64.45 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Glarus
- 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.