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MultiAccess or TelMed (Compact One) — Region 3, Bern

Region 3, Bern: with Sanitas, MultiAccess costs CHF 518.30 a month in 2026 and TelMed (Compact One) CHF 512.60, 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 68.40 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 518.30CHF 512.60CHF 68.40
500CHF 506.70CHF 501.00CHF 68.40
1'000CHF 477.50CHF 471.80CHF 68.40
1'500CHF 448.30CHF 442.60CHF 68.40
2'000CHF 419.20CHF 413.50CHF 68.40
2'500CHF 390.00CHF 384.30CHF 68.40

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.