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MultiAccess or TelMed (CallMed) — Zug

Zug: with Sanitas, MultiAccess costs CHF 370.50 a month in 2026 and TelMed (CallMed) CHF 378.70, 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 98.40 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 370.50CHF 378.70CHF 98.40
500CHF 358.90CHF 367.10CHF 98.40
1'000CHF 329.70CHF 337.90CHF 98.40
1'500CHF 300.50CHF 308.70CHF 98.40
2'000CHF 271.40CHF 279.60CHF 98.40
2'500CHF 242.20CHF 250.40CHF 98.40

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.