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MultiAccess or TelMed (Compact One) — Region 2, Bern

Region 2, Bern: with Sanitas, MultiAccess costs CHF 570.40 a month in 2026 and TelMed (Compact One) CHF 551.60, 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 225.60 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 570.40CHF 551.60CHF 225.60
500CHF 558.80CHF 540.00CHF 225.60
1'000CHF 529.60CHF 510.80CHF 225.60
1'500CHF 500.40CHF 481.60CHF 225.60
2'000CHF 471.30CHF 452.50CHF 225.60
2'500CHF 442.10CHF 423.30CHF 225.60

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.