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Médecin de famille 2 or MultiAccess — Appenzell Innerrhoden

Appenzell Innerrhoden: with Sanitas, Médecin de famille 2 costs CHF 400.00 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.

MultiAccess is the cheaper of the two here: CHF 51.60 saved per year against Médecin de famille 2, 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 2 is a "Family doctor" model. MultiAccess is a "Group practice (HMO)" model.

  • Médecin de famille 2

    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 2MultiAccessGap per year
300CHF 400.00CHF 395.70CHF 51.60
500CHF 388.40CHF 384.10CHF 51.60
1'000CHF 359.20CHF 354.90CHF 51.60
1'500CHF 330.00CHF 325.70CHF 51.60
2'000CHF 300.90CHF 296.60CHF 51.60
2'500CHF 271.70CHF 267.40CHF 51.60

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.