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MultiAccess or TelMed (CallMed) — Appenzell Innerrhoden

Appenzell Innerrhoden: with Sanitas, MultiAccess costs CHF 395.70 a month in 2026 and TelMed (CallMed) CHF 404.40, 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 104.40 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

DeductibleMultiAccessTelMed (CallMed)Gap per year
300CHF 395.70CHF 404.40CHF 104.40
500CHF 384.10CHF 392.80CHF 104.40
1'000CHF 354.90CHF 363.60CHF 104.40
1'500CHF 325.70CHF 334.40CHF 104.40
2'000CHF 296.60CHF 305.30CHF 104.40
2'500CHF 267.40CHF 276.10CHF 104.40

The comparison, region by region

An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.

Compare every insurer

Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.