vita surselva Sparmed — Region 2, Grisons
Region 2, Grisons: the Sparmed model from vita surselva costs CHF 440.80 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 440.80, Sparmed is not the lowest premium here: Agrisano goes down to CHF 418.00. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Sparmed costs CHF 278.40 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 440.80 | CHF 438.15 |
| 500 | CHF 432.00 | CHF 429.40 |
| 1'000 | CHF 401.15 | CHF 398.75 |
| 1'500 | CHF 374.70 | CHF 372.45 |
| 2'000 | CHF 343.80 | CHF 341.75 |
| 2'500 | CHF 331.50 | CHF 329.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 379.05 | CHF 376.80 |
| 500 | CHF 367.70 | CHF 365.50 |
| 1'000 | CHF 341.15 | CHF 339.10 |
| 1'500 | CHF 310.80 | CHF 308.95 |
| 2'000 | CHF 280.50 | CHF 278.80 |
| 2'500 | CHF 257.75 | CHF 256.20 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 95.95 | CHF 95.35 |
| 100 | CHF 91.15 | CHF 90.60 |
| 200 | CHF 84.45 | CHF 83.95 |
| 300 | CHF 78.70 | CHF 78.25 |
| 400 | CHF 72.90 | CHF 72.45 |
| 500 | CHF 67.15 | CHF 66.75 |
| 600 | CHF 61.40 | CHF 61.05 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Glarus
- Grisons — Region 1
- 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.