Médecin de famille 3 or MultiAccess — Aargau
Aargau: with Sanitas, Médecin de famille 3 costs CHF 511.80 a month in 2026 and MultiAccess CHF 500.80, 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 132.00 saved per year against Médecin de famille 3, 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 3 is a "Family doctor" model. MultiAccess is a "Group practice (HMO)" model.
- Médecin de famille 3
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 3 | MultiAccess | Gap per year |
|---|---|---|---|
| 300 | CHF 511.80 | CHF 500.80 | CHF 132.00 |
| 500 | CHF 500.20 | CHF 489.20 | CHF 132.00 |
| 1'000 | CHF 471.00 | CHF 460.00 | CHF 132.00 |
| 1'500 | CHF 441.80 | CHF 430.80 | CHF 132.00 |
| 2'000 | CHF 412.70 | CHF 401.70 | CHF 132.00 |
| 2'500 | CHF 383.50 | CHF 372.50 | CHF 132.00 |
The comparison, region by region
- Médecin de famille 3 or MultiAccess?
- 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 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.