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Médecin de famille 1 or MultiAccess — Region 1, St. Gallen

Region 1, St. Gallen: with Sanitas, Médecin de famille 1 costs CHF 479.65 a month in 2026 and MultiAccess CHF 501.70, 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 264.60 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 479.65CHF 501.70CHF 264.60
500CHF 468.05CHF 490.10CHF 264.60
1'000CHF 438.85CHF 460.90CHF 264.60
1'500CHF 409.65CHF 431.70CHF 264.60
2'000CHF 380.55CHF 402.60CHF 264.60
2'500CHF 351.35CHF 373.40CHF 264.60

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.