vita surselva Sparmed — Region 3, Grisons
Region 3, Grisons: the Sparmed model from vita surselva costs CHF 404.70 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 404.70, Sparmed is the lowest premium in this region, across every insurer and every model.
On average, Sparmed costs CHF 255.60 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 404.70 | CHF 402.25 |
| 500 | CHF 395.00 | CHF 392.65 |
| 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 279.85 | CHF 278.15 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 338.20 | CHF 336.15 |
| 500 | CHF 328.05 | CHF 326.10 |
| 1'000 | CHF 301.00 | CHF 299.20 |
| 1'500 | CHF 270.55 | CHF 268.95 |
| 2'000 | CHF 246.90 | CHF 245.40 |
| 2'500 | CHF 230.00 | CHF 228.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 90.25 | CHF 89.70 |
| 100 | CHF 85.75 | CHF 85.25 |
| 200 | CHF 79.40 | CHF 78.90 |
| 300 | CHF 73.10 | CHF 72.65 |
| 400 | CHF 67.70 | CHF 67.30 |
| 500 | CHF 61.35 | CHF 61.00 |
| 600 | CHF 55.95 | CHF 55.60 |
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 2
- 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.