Médecin de famille 1 or MultiAccess — Region 2, Lucerne
Region 2, Lucerne: with Sanitas, Médecin de famille 1 costs CHF 443.60 a month in 2026 and MultiAccess CHF 464.10, 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 246.00 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
| Deductible | Médecin de famille 1 | MultiAccess | Gap per year |
|---|---|---|---|
| 300 | CHF 443.60 | CHF 464.10 | CHF 246.00 |
| 500 | CHF 432.00 | CHF 452.50 | CHF 246.00 |
| 1'000 | CHF 402.80 | CHF 423.30 | CHF 246.00 |
| 1'500 | CHF 373.60 | CHF 394.10 | CHF 246.00 |
| 2'000 | CHF 344.50 | CHF 365.00 | CHF 246.00 |
| 2'500 | CHF 315.30 | CHF 335.80 | CHF 246.00 |
The comparison, region by region
- Médecin de famille 1 or MultiAccess?
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Fribourg — Region 1
- Fribourg — Region 2
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- Uri
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- Zug
- 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.