vita surselva Sparmed — Thurgau
Thurgau: the Sparmed model from vita surselva costs CHF 524.40 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 524.40, Sparmed is not the lowest premium here: Agrisano goes down to CHF 429.70. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Sparmed costs CHF 331.20 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 524.40 | CHF 521.25 |
| 500 | CHF 513.90 | CHF 510.80 |
| 1'000 | CHF 487.70 | CHF 484.75 |
| 1'500 | CHF 456.25 | CHF 453.50 |
| 2'000 | CHF 430.00 | CHF 427.40 |
| 2'500 | CHF 398.55 | CHF 396.15 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 445.55 | CHF 442.90 |
| 500 | CHF 436.65 | CHF 434.05 |
| 1'000 | CHF 405.45 | CHF 403.00 |
| 1'500 | CHF 378.70 | CHF 376.45 |
| 2'000 | CHF 347.55 | CHF 345.45 |
| 2'500 | CHF 318.10 | CHF 316.20 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 127.30 | CHF 126.55 |
| 100 | CHF 122.20 | CHF 121.45 |
| 200 | CHF 115.85 | CHF 115.15 |
| 300 | CHF 110.75 | CHF 110.10 |
| 400 | CHF 104.40 | CHF 103.75 |
| 500 | CHF 99.30 | CHF 98.70 |
| 600 | CHF 92.95 | CHF 92.40 |
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
- Schwyz
- 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.