MultiAccess or TelMed (CallMed) — Region 1, Bern
Region 1, Bern: with Sanitas, MultiAccess costs CHF 577.70 a month in 2026 and TelMed (CallMed) CHF 577.70, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Here MultiAccess and TelMed (CallMed) cost exactly the same. The choice is therefore not about the amount, but about the care pathway you accept.
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 577.70 | CHF 577.70 | — |
| 500 | CHF 566.10 | CHF 566.10 | — |
| 1'000 | CHF 536.90 | CHF 536.90 | — |
| 1'500 | CHF 507.70 | CHF 507.70 | — |
| 2'000 | CHF 478.60 | CHF 478.60 | — |
| 2'500 | CHF 449.40 | CHF 449.40 | — |
The comparison, region by region
- MultiAccess or TelMed (CallMed)?
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- 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.