MultiAccess or TelMed (CallMed) — Region 1, Vaud
Region 1, Vaud: with Sanitas, MultiAccess costs CHF 614.90 a month in 2026 and TelMed (CallMed) CHF 628.50, 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 163.20 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 614.90 | CHF 628.50 | CHF 163.20 |
| 500 | CHF 603.30 | CHF 616.90 | CHF 163.20 |
| 1'000 | CHF 574.10 | CHF 587.70 | CHF 163.20 |
| 1'500 | CHF 544.90 | CHF 558.50 | CHF 163.20 |
| 2'000 | CHF 515.80 | CHF 529.40 | CHF 163.20 |
| 2'500 | CHF 486.60 | CHF 500.20 | CHF 163.20 |
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
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- Uri
- 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.