Médecin de famille 3 or MultiAccess — Neuchâtel
Neuchâtel: with Sanitas, Médecin de famille 3 costs CHF 638.35 a month in 2026 and MultiAccess CHF 624.70, 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 163.80 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 638.35 | CHF 624.70 | CHF 163.80 |
| 500 | CHF 626.75 | CHF 613.10 | CHF 163.80 |
| 1'000 | CHF 597.55 | CHF 583.90 | CHF 163.80 |
| 1'500 | CHF 568.35 | CHF 554.70 | CHF 163.80 |
| 2'000 | CHF 539.25 | CHF 525.60 | CHF 163.80 |
| 2'500 | CHF 510.05 | CHF 496.40 | CHF 163.80 |
The comparison, region by region
- Médecin de famille 3 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 1
- Lucerne — Region 2
- Lucerne — Region 3
- 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.