MultiAccess or TelMed (CallMed) — Nidwalden
Nidwalden: with Sanitas, MultiAccess costs CHF 432.80 a month in 2026 and TelMed (CallMed) CHF 442.30, 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 114.00 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 432.80 | CHF 442.30 | CHF 114.00 |
| 500 | CHF 421.20 | CHF 430.70 | CHF 114.00 |
| 1'000 | CHF 392.00 | CHF 401.50 | CHF 114.00 |
| 1'500 | CHF 362.80 | CHF 372.30 | CHF 114.00 |
| 2'000 | CHF 333.70 | CHF 343.20 | CHF 114.00 |
| 2'500 | CHF 304.50 | CHF 314.00 | CHF 114.00 |
The comparison, region by region
- MultiAccess or TelMed (CallMed)?
- 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
- 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.