Médecin de famille 2 or MultiAccess — Region 1, Lucerne
Region 1, Lucerne: with Sanitas, Médecin de famille 2 costs CHF 488.15 a month in 2026 and MultiAccess CHF 482.90, 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 63.00 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
| Deductible | Médecin de famille 2 | MultiAccess | Gap per year |
|---|---|---|---|
| 300 | CHF 488.15 | CHF 482.90 | CHF 63.00 |
| 500 | CHF 476.55 | CHF 471.30 | CHF 63.00 |
| 1'000 | CHF 447.35 | CHF 442.10 | CHF 63.00 |
| 1'500 | CHF 418.15 | CHF 412.90 | CHF 63.00 |
| 2'000 | CHF 389.05 | CHF 383.80 | CHF 63.00 |
| 2'500 | CHF 359.85 | CHF 354.60 | CHF 63.00 |
The comparison, region by region
- Médecin de famille 2 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 2
- 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.