vita surselva Sparmed — Region 1, St. Gallen
Region 1, St. Gallen: the Sparmed model from vita surselva costs CHF 550.00 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 550.00, Sparmed is not the lowest premium here: Sanitas goes down to CHF 479.65. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Sparmed costs CHF 336.00 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 550.00 | CHF 546.70 |
| 500 | CHF 539.00 | CHF 535.75 |
| 1'000 | CHF 511.50 | CHF 508.45 |
| 1'500 | CHF 484.00 | CHF 481.10 |
| 2'000 | CHF 456.50 | CHF 453.75 |
| 2'500 | CHF 435.05 | CHF 432.45 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 468.00 | CHF 465.20 |
| 500 | CHF 458.65 | CHF 455.90 |
| 1'000 | CHF 430.55 | CHF 427.95 |
| 1'500 | CHF 402.50 | CHF 400.10 |
| 2'000 | CHF 369.70 | CHF 367.50 |
| 2'500 | CHF 341.65 | CHF 339.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 128.25 | CHF 127.50 |
| 100 | CHF 123.10 | CHF 122.35 |
| 200 | CHF 116.70 | CHF 116.00 |
| 300 | CHF 111.60 | CHF 110.95 |
| 400 | CHF 105.15 | CHF 104.50 |
| 500 | CHF 100.05 | CHF 99.45 |
| 600 | CHF 93.60 | CHF 93.05 |
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 2
- Grisons — Region 3
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- 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.