MultiAccess or TelMed (CallMed) — Appenzell Ausserrhoden
Appenzell Ausserrhoden: with Sanitas, MultiAccess costs CHF 469.30 a month in 2026 and TelMed (CallMed) CHF 479.70, 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 124.80 saved per year against TelMed (CallMed), for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
MultiAccess is a "Group practice (HMO)" model. TelMed (CallMed) is a "Telemedicine and others" model.
- MultiAccess
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
- TelMed (CallMed)
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
The price at every deductible
| Deductible | MultiAccess | TelMed (CallMed) | Gap per year |
|---|---|---|---|
| 300 | CHF 469.30 | CHF 479.70 | CHF 124.80 |
| 500 | CHF 457.70 | CHF 468.10 | CHF 124.80 |
| 1'000 | CHF 428.50 | CHF 438.90 | CHF 124.80 |
| 1'500 | CHF 399.30 | CHF 409.70 | CHF 124.80 |
| 2'000 | CHF 370.20 | CHF 380.60 | CHF 124.80 |
| 2'500 | CHF 341.00 | CHF 351.40 | CHF 124.80 |
The comparison, region by region
- MultiAccess or TelMed (CallMed)?
- Aargau
- Appenzell Innerrhoden
- 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
- 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.