Médecin de famille 3 or MultiAccess — Appenzell Innerrhoden
Appenzell Innerrhoden: with Sanitas, Médecin de famille 3 costs CHF 404.35 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 103.80 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 404.35 | CHF 395.70 | CHF 103.80 |
| 500 | CHF 392.75 | CHF 384.10 | CHF 103.80 |
| 1'000 | CHF 363.55 | CHF 354.90 | CHF 103.80 |
| 1'500 | CHF 334.35 | CHF 325.70 | CHF 103.80 |
| 2'000 | CHF 305.25 | CHF 296.60 | CHF 103.80 |
| 2'500 | CHF 276.05 | CHF 267.40 | CHF 103.80 |
The comparison, region by region
- Médecin de famille 3 or MultiAccess?
- Aargau
- 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.