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

Region 1, Lucerne: with Sanitas, MultiAccess costs CHF 482.90 a month in 2026 and TelMed (Compact One) CHF 461.70, 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 254.40 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 482.90CHF 461.70CHF 254.40
500CHF 471.30CHF 450.10CHF 254.40
1'000CHF 442.10CHF 420.90CHF 254.40
1'500CHF 412.90CHF 391.70CHF 254.40
2'000CHF 383.80CHF 362.60CHF 254.40
2'500CHF 354.60CHF 333.40CHF 254.40

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.