Médecin de famille 4 or MultiAccess — Region 2, Lucerne
Region 2, Lucerne: with Sanitas, Médecin de famille 4 costs CHF 474.20 a month in 2026 and MultiAccess CHF 464.10, 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 121.20 saved per year against Médecin de famille 4, 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 4 is a "Family doctor" model. MultiAccess is a "Group practice (HMO)" model.
- Médecin de famille 4
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 4 | MultiAccess | Gap per year |
|---|---|---|---|
| 300 | CHF 474.20 | CHF 464.10 | CHF 121.20 |
| 500 | CHF 462.60 | CHF 452.50 | CHF 121.20 |
| 1'000 | CHF 433.40 | CHF 423.30 | CHF 121.20 |
| 1'500 | CHF 404.20 | CHF 394.10 | CHF 121.20 |
| 2'000 | CHF 375.10 | CHF 365.00 | CHF 121.20 |
| 2'500 | CHF 345.90 | CHF 335.80 | CHF 121.20 |
The comparison, region by region
- Médecin de famille 4 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 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
- 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.