vita surselva Sparmed — Region 1, Zurich
Region 1, Zurich: the Sparmed model from vita surselva costs CHF 633.65 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 633.65, Sparmed is not the lowest premium here: Atupri goes down to CHF 517.70. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Sparmed costs CHF 400.20 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 633.65 | CHF 629.85 |
| 500 | CHF 627.30 | CHF 623.55 |
| 1'000 | CHF 595.65 | CHF 592.10 |
| 1'500 | CHF 563.95 | CHF 560.55 |
| 2'000 | CHF 538.60 | CHF 535.35 |
| 2'500 | CHF 506.90 | CHF 503.85 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 561.45 | CHF 558.10 |
| 500 | CHF 550.20 | CHF 546.90 |
| 1'000 | CHF 522.15 | CHF 519.00 |
| 1'500 | CHF 494.10 | CHF 491.15 |
| 2'000 | CHF 466.00 | CHF 463.20 |
| 2'500 | CHF 437.95 | CHF 435.30 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 146.30 | CHF 145.40 |
| 100 | CHF 141.90 | CHF 141.05 |
| 200 | CHF 136.05 | CHF 135.25 |
| 300 | CHF 130.20 | CHF 129.40 |
| 400 | CHF 124.35 | CHF 123.60 |
| 500 | CHF 118.50 | CHF 117.80 |
| 600 | CHF 112.65 | CHF 111.95 |
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
- Thurgau
- 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.