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Médecin de famille 2 or MultiAccess — Region 3, Bern

Region 3, Bern: with Sanitas, Médecin de famille 2 costs CHF 523.95 a month in 2026 and MultiAccess CHF 518.30, 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 67.80 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 523.95CHF 518.30CHF 67.80
500CHF 512.35CHF 506.70CHF 67.80
1'000CHF 483.15CHF 477.50CHF 67.80
1'500CHF 453.95CHF 448.30CHF 67.80
2'000CHF 424.85CHF 419.20CHF 67.80
2'500CHF 395.65CHF 390.00CHF 67.80

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.