Médecin de famille 3 or MultiAccess — Region 2, St. Gallen
Region 2, St. Gallen: with Sanitas, Médecin de famille 3 costs CHF 500.25 a month in 2026 and MultiAccess CHF 489.50, 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 129.00 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 500.25 | CHF 489.50 | CHF 129.00 |
| 500 | CHF 488.65 | CHF 477.90 | CHF 129.00 |
| 1'000 | CHF 459.45 | CHF 448.70 | CHF 129.00 |
| 1'500 | CHF 430.25 | CHF 419.50 | CHF 129.00 |
| 2'000 | CHF 401.15 | CHF 390.40 | CHF 129.00 |
| 2'500 | CHF 371.95 | CHF 361.20 | CHF 129.00 |
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
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- 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.