vita surselva: 2026 premiums compared
vita surselva offers basic insurance in 2026 in 26 cantons, from CHF 426.00 a month. In 2 cantons it is the cheapest insurer of all.
vita surselva canton by canton (2026)
Reference: adult aged 26+, franchise CHF 300, standard model with free choice of doctor, with accident cover.
| Canton | vita surselva premium | Cheapest in canton | Extra per year |
|---|---|---|---|
| Aargau | CHF 553.00 | CHF 519.25 | + CHF 405/J |
| Appenzell Ausserrhoden | CHF 516.00 | CHF 479.40 | + CHF 439/J |
| Appenzell Innerrhoden | CHF 454.00 | CHF 411.00 | + CHF 516/J |
| Basel-Landschaft | CHF 636.00 | CHF 575.30 | + CHF 728/J |
| Basel-Stadt | CHF 779.00 | CHF 673.70 | + CHF 1'264/J |
| Bern | CHF 593.00 | CHF 520.40 | + CHF 871/J |
| Freiburg | CHF 589.00 | CHF 523.30 | + CHF 788/J |
| Genf | CHF 836.00 | CHF 686.70 | + CHF 1'792/J |
| Glarus | CHF 493.00 | CHF 493.00 | cheapest insurer |
| Graubünden | CHF 426.00 | CHF 426.00 | cheapest insurer |
| Jura | CHF 678.00 | CHF 628.20 | + CHF 598/J |
| Luzern | CHF 512.00 | CHF 452.80 | + CHF 710/J |
| Neuenburg | CHF 765.00 | CHF 655.90 | + CHF 1'309/J |
| Nidwalden | CHF 492.00 | CHF 448.10 | + CHF 527/J |
| Obwalden | CHF 508.00 | CHF 445.10 | + CHF 755/J |
| Schaffhausen | CHF 564.30 | CHF 504.40 | + CHF 719/J |
| Schwyz | CHF 522.00 | CHF 439.30 | + CHF 992/J |
| Solothurn | CHF 599.00 | CHF 565.40 | + CHF 403/J |
| St. Gallen | CHF 490.00 | CHF 467.00 | + CHF 276/J |
| Tessin | CHF 681.15 | CHF 626.70 | + CHF 653/J |
| Thurgau | CHF 552.00 | CHF 499.60 | + CHF 629/J |
| Uri | CHF 478.00 | CHF 437.90 | + CHF 481/J |
| Waadt | CHF 668.00 | CHF 601.70 | + CHF 796/J |
| Wallis | CHF 511.00 | CHF 470.90 | + CHF 481/J |
| Zug | CHF 520.00 | CHF 385.80 | + CHF 1'610/J |
| Zürich | CHF 553.00 | CHF 488.50 | + CHF 774/J |
What this insurer actually offers
Insurance models: Standard (free choice of doctor), Family doctor
Franchises for adults: CHF 300, 500, 1'000, 1'500, 2'000, 2'500
Franchises for children: CHF 0, 100, 200, 300, 400, 500, 600 Not every insurer offers children all levels — that is what decides the cheapest family solution.
How vita surselva has developed since 2021
| Year | Lowest premium | Change |
|---|---|---|
| 2021 | CHF 339.00 | — |
| 2022 | CHF 339.00 | +0.0 % |
| 2023 | CHF 339.00 | +0.0 % |
| 2024 | CHF 365.00 | +7.7 % |
| 2025 | CHF 409.00 | +12.1 % |
| 2026 | CHF 426.00 | +4.2 % |
The lowest premium at vita surselva went from CHF 339.00 (2021) to CHF 426.00 (2026) — +25.7 %.
Why the benefits are the same everywhere
Basic insurance is defined by law (KVG/LAMal). vita surselva must pay for the same treatments as any other insurer and must accept every applicant, with no health questions. Price, service and supplementary products differ — the latter are not compared here.
Frequently asked questions
Is vita surselva expensive?
For an adult with a CHF 300 franchise and the standard model, vita surselva costs between CHF 426.00 and CHF 836.00 a month in 2026, depending on the canton. In 2 of 26 cantons it is the cheapest insurer.
Are the benefits at vita surselva worse than at a more expensive insurer?
No. The benefit catalogue of compulsory basic insurance is set by law and identical for every insurer.
How do I switch to or away from vita surselva?
Notice for basic insurance must reach your current insurer by 30 November (arrival, not postmark). The new insurer must accept you.