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Médecin de famille 1 or MultiAccess — Appenzell Innerrhoden

Appenzell Innerrhoden: with Sanitas, Médecin de famille 1 costs CHF 378.30 a month in 2026 and MultiAccess CHF 395.70, 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 208.80 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 378.30CHF 395.70CHF 208.80
500CHF 366.70CHF 384.10CHF 208.80
1'000CHF 337.50CHF 354.90CHF 208.80
1'500CHF 308.30CHF 325.70CHF 208.80
2'000CHF 279.20CHF 296.60CHF 208.80
2'500CHF 250.00CHF 267.40CHF 208.80

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.