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MultiAccess or TelMed (Compact One) — Appenzell Innerrhoden

Appenzell Innerrhoden: with Sanitas, MultiAccess costs CHF 395.70 a month in 2026 and TelMed (Compact One) CHF 391.40, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.

TelMed (Compact One) is the cheaper of the two here: CHF 51.60 saved per year against MultiAccess, 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 (Compact One) is a "Telemedicine and others" model.

  • MultiAccess

    Group practice (HMO)

    You go to a designated group practice, which coordinates your care.

  • TelMed (Compact One)

    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 (Compact One)Gap per year
300CHF 395.70CHF 391.40CHF 51.60
500CHF 384.10CHF 379.80CHF 51.60
1'000CHF 354.90CHF 350.60CHF 51.60
1'500CHF 325.70CHF 321.40CHF 51.60
2'000CHF 296.60CHF 292.30CHF 51.60
2'500CHF 267.40CHF 263.10CHF 51.60

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.