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Médecin de famille 3 or MultiAccess — Appenzell Ausserrhoden

Appenzell Ausserrhoden: with Sanitas, Médecin de famille 3 costs CHF 479.60 a month in 2026 and MultiAccess CHF 469.30, 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 123.60 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

DeductibleMédecin de famille 3MultiAccessGap per year
300CHF 479.60CHF 469.30CHF 123.60
500CHF 468.00CHF 457.70CHF 123.60
1'000CHF 438.80CHF 428.50CHF 123.60
1'500CHF 409.60CHF 399.30CHF 123.60
2'000CHF 380.50CHF 370.20CHF 123.60
2'500CHF 351.30CHF 341.00CHF 123.60

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.