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

Region 1, Fribourg: with Sanitas, MultiAccess costs CHF 526.90 a month in 2026 and TelMed (Compact One) CHF 521.10, 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 69.60 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 526.90CHF 521.10CHF 69.60
500CHF 515.30CHF 509.50CHF 69.60
1'000CHF 486.10CHF 480.30CHF 69.60
1'500CHF 456.90CHF 451.10CHF 69.60
2'000CHF 427.80CHF 422.00CHF 69.60
2'500CHF 398.60CHF 392.80CHF 69.60

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.