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Médecin de famille 3 or MultiAccess — Region 1, Bern

Region 1, Bern: with Sanitas, Médecin de famille 3 costs CHF 590.35 a month in 2026 and MultiAccess CHF 577.70, 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 151.80 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

DeductibleMédecin de famille 3MultiAccessGap per year
300CHF 590.35CHF 577.70CHF 151.80
500CHF 578.75CHF 566.10CHF 151.80
1'000CHF 549.55CHF 536.90CHF 151.80
1'500CHF 520.35CHF 507.70CHF 151.80
2'000CHF 491.25CHF 478.60CHF 151.80
2'500CHF 462.05CHF 449.40CHF 151.80

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.