vita surselva Sparmed — Region 3, Lucerne
Region 3, Lucerne: the Sparmed model from vita surselva costs CHF 486.40 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 486.40, Sparmed is not the lowest premium here: Agrisano goes down to CHF 414.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Sparmed costs CHF 307.20 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 486.40 | CHF 483.50 |
| 500 | CHF 476.65 | CHF 473.80 |
| 1'000 | CHF 447.50 | CHF 444.80 |
| 1'500 | CHF 418.30 | CHF 415.80 |
| 2'000 | CHF 389.10 | CHF 386.75 |
| 2'500 | CHF 364.80 | CHF 362.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 409.45 | CHF 407.00 |
| 500 | CHF 401.25 | CHF 398.85 |
| 1'000 | CHF 372.60 | CHF 370.35 |
| 1'500 | CHF 343.95 | CHF 341.90 |
| 2'000 | CHF 315.30 | CHF 313.40 |
| 2'500 | CHF 294.80 | CHF 293.05 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 115.90 | CHF 115.20 |
| 100 | CHF 111.25 | CHF 110.60 |
| 200 | CHF 104.30 | CHF 103.65 |
| 300 | CHF 98.50 | CHF 97.90 |
| 400 | CHF 92.70 | CHF 92.15 |
| 500 | CHF 86.90 | CHF 86.40 |
| 600 | CHF 81.15 | CHF 80.65 |
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
- Grisons — Region 3
- Lucerne — Region 1
- Lucerne — Region 2
- 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.