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

Region 3, Zurich: with Sanitas, MultiAccess costs CHF 477.60 a month in 2026 and TelMed (Compact One) CHF 451.40, 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 314.40 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 477.60CHF 451.40CHF 314.40
500CHF 466.00CHF 439.80CHF 314.40
1'000CHF 436.80CHF 410.60CHF 314.40
1'500CHF 407.60CHF 381.40CHF 314.40
2'000CHF 378.50CHF 352.30CHF 314.40
2'500CHF 349.30CHF 323.10CHF 314.40

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.