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

Region 1, Grisons: with Sanitas, MultiAccess costs CHF 491.40 a month in 2026 and TelMed (Compact One) CHF 453.60, 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 453.60 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 491.40CHF 453.60CHF 453.60
500CHF 479.80CHF 442.00CHF 453.60
1'000CHF 450.60CHF 412.80CHF 453.60
1'500CHF 421.40CHF 383.60CHF 453.60
2'000CHF 392.30CHF 354.50CHF 453.60
2'500CHF 363.10CHF 325.30CHF 453.60

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.