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

Region 3, Lucerne: with Sanitas, MultiAccess costs CHF 449.30 a month in 2026 and TelMed (Compact One) CHF 444.40, 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 58.80 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 449.30CHF 444.40CHF 58.80
500CHF 437.70CHF 432.80CHF 58.80
1'000CHF 408.50CHF 403.60CHF 58.80
1'500CHF 379.30CHF 374.40CHF 58.80
2'000CHF 350.20CHF 345.30CHF 58.80
2'500CHF 321.00CHF 316.10CHF 58.80

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.