MultiAccess or TelMed (Compact One) — Region 2, Lucerne
Region 2, Lucerne: with Sanitas, MultiAccess costs CHF 464.10 a month in 2026 and TelMed (Compact One) CHF 459.00, 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 61.20 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
| Deductible | MultiAccess | TelMed (Compact One) | Gap per year |
|---|---|---|---|
| 300 | CHF 464.10 | CHF 459.00 | CHF 61.20 |
| 500 | CHF 452.50 | CHF 447.40 | CHF 61.20 |
| 1'000 | CHF 423.30 | CHF 418.20 | CHF 61.20 |
| 1'500 | CHF 394.10 | CHF 389.00 | CHF 61.20 |
| 2'000 | CHF 365.00 | CHF 359.90 | CHF 61.20 |
| 2'500 | CHF 335.80 | CHF 330.70 | CHF 61.20 |
The comparison, region by region
- MultiAccess or TelMed (Compact One)?
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Fribourg — Region 1
- Fribourg — Region 2
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- Uri
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- Zug
- Zurich — Region 1
- Zurich — Region 2
An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.
Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.