vita surselva Sparmed — Region 2, St. Gallen
Region 2, St. Gallen: the Sparmed model from vita surselva costs CHF 506.00 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 506.00, Sparmed is not the lowest premium here: Agrisano goes down to CHF 419.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Sparmed costs CHF 312.00 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 506.00 | CHF 502.95 |
| 500 | CHF 495.90 | CHF 492.90 |
| 1'000 | CHF 465.50 | CHF 462.70 |
| 1'500 | CHF 440.20 | CHF 437.55 |
| 2'000 | CHF 409.85 | CHF 407.40 |
| 2'500 | CHF 378.50 | CHF 376.25 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 422.00 | CHF 419.45 |
| 500 | CHF 413.55 | CHF 411.05 |
| 1'000 | CHF 384.00 | CHF 381.70 |
| 1'500 | CHF 354.50 | CHF 352.35 |
| 2'000 | CHF 324.95 | CHF 323.00 |
| 2'500 | CHF 295.40 | CHF 293.65 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 119.00 | CHF 118.30 |
| 100 | CHF 114.25 | CHF 113.55 |
| 200 | CHF 108.30 | CHF 107.65 |
| 300 | CHF 102.35 | CHF 101.75 |
| 400 | CHF 96.40 | CHF 95.80 |
| 500 | CHF 90.45 | CHF 89.90 |
| 600 | CHF 84.50 | CHF 84.00 |
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 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.