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Médecin de famille 1 or MultiAccess — Appenzell Ausserrhoden

Appenzell Ausserrhoden: with Sanitas, Médecin de famille 1 costs CHF 448.65 a month in 2026 and MultiAccess CHF 469.30, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.

Médecin de famille 1 is the cheaper of the two here: CHF 247.80 saved per year against MultiAccess, for cover identical under the law. What you pay more or less for is the care pathway.

What you accept in each case

Médecin de famille 1 is a "Family doctor" model. MultiAccess is a "Group practice (HMO)" model.

  • Médecin de famille 1

    Family doctor

    You pick a family doctor and always go to them first.

  • MultiAccess

    Group practice (HMO)

    You go to a designated group practice, which coordinates your care.

The price at every deductible

DeductibleMédecin de famille 1MultiAccessGap per year
300CHF 448.65CHF 469.30CHF 247.80
500CHF 437.05CHF 457.70CHF 247.80
1'000CHF 407.85CHF 428.50CHF 247.80
1'500CHF 378.65CHF 399.30CHF 247.80
2'000CHF 349.55CHF 370.20CHF 247.80
2'500CHF 320.35CHF 341.00CHF 247.80

The comparison, region by region

An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.

Compare every insurer

Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.