MultiAccess or TelMed (Compact One) — Region 1, St. Gallen
Region 1, St. Gallen: with Sanitas, MultiAccess costs CHF 501.70 a month in 2026 and TelMed (Compact One) CHF 496.20, 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 66.00 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 501.70 | CHF 496.20 | CHF 66.00 |
| 500 | CHF 490.10 | CHF 484.60 | CHF 66.00 |
| 1'000 | CHF 460.90 | CHF 455.40 | CHF 66.00 |
| 1'500 | CHF 431.70 | CHF 426.20 | CHF 66.00 |
| 2'000 | CHF 402.60 | CHF 397.10 | CHF 66.00 |
| 2'500 | CHF 373.40 | CHF 367.90 | CHF 66.00 |
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 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- 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.