MultiAccess or TelMed (CallMed) — Thurgau
Thurgau: with Sanitas, MultiAccess costs CHF 484.50 a month in 2026 and TelMed (CallMed) CHF 495.20, 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 128.40 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
| Deductible | MultiAccess | TelMed (CallMed) | Gap per year |
|---|---|---|---|
| 300 | CHF 484.50 | CHF 495.20 | CHF 128.40 |
| 500 | CHF 472.90 | CHF 483.60 | CHF 128.40 |
| 1'000 | CHF 443.70 | CHF 454.40 | CHF 128.40 |
| 1'500 | CHF 414.50 | CHF 425.20 | CHF 128.40 |
| 2'000 | CHF 385.40 | CHF 396.10 | CHF 128.40 |
| 2'500 | CHF 356.20 | CHF 366.90 | CHF 128.40 |
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
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- 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.