vita surselva Sparmed — Schwyz
Schwyz: the Sparmed model from vita surselva costs CHF 495.90 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 495.90, Sparmed is not the lowest premium here: Agrisano goes down to CHF 400.20. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Sparmed costs CHF 313.20 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 495.90 | CHF 492.90 |
| 500 | CHF 486.00 | CHF 483.10 |
| 1'000 | CHF 456.25 | CHF 453.50 |
| 1'500 | CHF 426.45 | CHF 423.90 |
| 2'000 | CHF 401.70 | CHF 399.30 |
| 2'500 | CHF 371.90 | CHF 369.65 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 422.75 | CHF 420.20 |
| 500 | CHF 414.30 | CHF 411.80 |
| 1'000 | CHF 384.70 | CHF 382.40 |
| 1'500 | CHF 355.10 | CHF 352.95 |
| 2'000 | CHF 325.50 | CHF 323.55 |
| 2'500 | CHF 295.90 | CHF 294.10 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 122.55 | CHF 121.80 |
| 100 | CHF 117.65 | CHF 116.95 |
| 200 | CHF 111.50 | CHF 110.85 |
| 300 | CHF 105.40 | CHF 104.75 |
| 400 | CHF 99.25 | CHF 98.65 |
| 500 | CHF 94.35 | CHF 93.80 |
| 600 | CHF 88.25 | CHF 87.70 |
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
- Lucerne — Region 3
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- 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.