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MultiAccess or TelMed (Compact One) — Obwalden

Obwalden: with Sanitas, MultiAccess costs CHF 437.50 a month in 2026 and TelMed (Compact One) CHF 432.70, 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 57.60 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 437.50CHF 432.70CHF 57.60
500CHF 425.90CHF 421.10CHF 57.60
1'000CHF 396.70CHF 391.90CHF 57.60
1'500CHF 367.50CHF 362.70CHF 57.60
2'000CHF 338.40CHF 333.60CHF 57.60
2'500CHF 309.20CHF 304.40CHF 57.60

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.