vita surselva Sparmed — Region 3, St. Gallen
Region 3, St. Gallen: the Sparmed model from vita surselva costs CHF 465.50 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 465.50, Sparmed is not the lowest premium here: Agrisano goes down to CHF 401.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Sparmed costs CHF 294.00 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 465.50 | CHF 462.70 |
| 500 | CHF 456.20 | CHF 453.45 |
| 1'000 | CHF 428.25 | CHF 425.70 |
| 1'500 | CHF 395.65 | CHF 393.30 |
| 2'000 | CHF 367.75 | CHF 365.55 |
| 2'500 | CHF 344.45 | CHF 342.40 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 370.00 | CHF 367.80 |
| 500 | CHF 362.60 | CHF 360.40 |
| 1'000 | CHF 333.00 | CHF 331.00 |
| 1'500 | CHF 303.40 | CHF 301.60 |
| 2'000 | CHF 277.50 | CHF 275.85 |
| 2'500 | CHF 251.60 | CHF 250.10 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 106.00 | CHF 105.35 |
| 100 | CHF 100.70 | CHF 100.10 |
| 200 | CHF 94.35 | CHF 93.80 |
| 300 | CHF 89.05 | CHF 88.50 |
| 400 | CHF 82.70 | CHF 82.20 |
| 500 | CHF 77.40 | CHF 76.95 |
| 600 | CHF 71.00 | CHF 70.55 |
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
- 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.