vita surselva Sparmed — Region 3, Zurich
Region 3, Zurich: the Sparmed model from vita surselva costs CHF 525.35 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 525.35, Sparmed is not the lowest premium here: Agrisano goes down to CHF 427.80. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Sparmed costs CHF 331.80 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 525.35 | CHF 522.20 |
| 500 | CHF 514.85 | CHF 511.75 |
| 1'000 | CHF 488.60 | CHF 485.65 |
| 1'500 | CHF 457.05 | CHF 454.30 |
| 2'000 | CHF 430.80 | CHF 428.20 |
| 2'500 | CHF 399.25 | CHF 396.85 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 463.60 | CHF 460.80 |
| 500 | CHF 454.35 | CHF 451.60 |
| 1'000 | CHF 426.50 | CHF 423.95 |
| 1'500 | CHF 398.70 | CHF 396.30 |
| 2'000 | CHF 366.25 | CHF 364.05 |
| 2'500 | CHF 338.45 | CHF 336.40 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 126.35 | CHF 125.60 |
| 100 | CHF 121.30 | CHF 120.55 |
| 200 | CHF 116.25 | CHF 115.55 |
| 300 | CHF 109.90 | CHF 109.25 |
| 400 | CHF 103.60 | CHF 103.00 |
| 500 | CHF 98.55 | CHF 97.95 |
| 600 | CHF 92.25 | CHF 91.70 |
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 1
- Zurich — Region 2
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.