Médecin de famille 3 or MultiAccess — Zug
Zug: with Sanitas, Médecin de famille 3 costs CHF 378.60 a month in 2026 and MultiAccess CHF 370.50, 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 97.20 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 378.60 | CHF 370.50 | CHF 97.20 |
| 500 | CHF 367.00 | CHF 358.90 | CHF 97.20 |
| 1'000 | CHF 337.80 | CHF 329.70 | CHF 97.20 |
| 1'500 | CHF 308.60 | CHF 300.50 | CHF 97.20 |
| 2'000 | CHF 279.50 | CHF 271.40 | CHF 97.20 |
| 2'500 | CHF 250.30 | CHF 242.20 | CHF 97.20 |
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 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
- 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.