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MultiAccess or TelMed (Compact One) — Region 1, Bern

Region 1, Bern: with Sanitas, MultiAccess costs CHF 577.70 a month in 2026 and TelMed (Compact One) CHF 571.40, 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 75.60 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 577.70CHF 571.40CHF 75.60
500CHF 566.10CHF 559.80CHF 75.60
1'000CHF 536.90CHF 530.60CHF 75.60
1'500CHF 507.70CHF 501.40CHF 75.60
2'000CHF 478.60CHF 472.30CHF 75.60
2'500CHF 449.40CHF 443.10CHF 75.60

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.