Sanitas Médecin de famille 3 — Obwalden
Obwalden: the Médecin de famille 3 model from Sanitas costs CHF 447.05 a month for an adult with a CHF 300 deductible and accident cover, in 2026. The table below gives the whole grid: every age band, every deductible, with and without accident cover.
At CHF 447.05, Médecin de famille 3 is not the lowest premium here: Agrisano goes down to CHF 382.80. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Médecin de famille 3 costs CHF 403.80 less per year than Sanitas's basic insurance in the same place, for exactly the same cover defined by law. In exchange, you accept the model's care pathway.
The full grid
Adult (26 and over)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 447.05 | CHF 416.20 |
| 500 | CHF 435.45 | CHF 405.40 |
| 1'000 | CHF 406.25 | CHF 378.20 |
| 1'500 | CHF 377.05 | CHF 351.05 |
| 2'000 | CHF 347.95 | CHF 323.95 |
| 2'500 | CHF 318.75 | CHF 296.75 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 310.05 | CHF 288.65 |
| 500 | CHF 298.45 | CHF 277.85 |
| 1'000 | CHF 269.25 | CHF 250.65 |
| 1'500 | CHF 240.05 | CHF 223.50 |
| 2'000 | CHF 210.95 | CHF 196.40 |
| 2'500 | CHF 181.75 | CHF 169.20 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 105.40 | CHF 98.15 |
| 100 | CHF 99.60 | CHF 92.75 |
| 200 | CHF 93.80 | CHF 87.35 |
| 300 | CHF 87.90 | CHF 81.85 |
| 400 | CHF 82.10 | CHF 76.45 |
| 500 | CHF 76.30 | CHF 71.05 |
| 600 | CHF 70.40 | CHF 65.55 |
The price, region by region
- 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
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
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.