Sanitas MultiAccess — Appenzell Ausserrhoden
Appenzell Ausserrhoden: the MultiAccess model from Sanitas costs CHF 469.30 a month for an adult with a CHF 300 deductible and accident cover, in 2026. The table below gives the whole grid: every age band, every deductible, with and without accident cover.
At CHF 469.30, MultiAccess is not the lowest premium here: Agrisano goes down to CHF 412.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, MultiAccess costs CHF 556.80 less per year than Sanitas's basic insurance in the same place, for exactly the same cover defined by law. In exchange, you accept the model's care pathway.
The full grid
Adult (26 and over)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 469.30 | CHF 437.00 |
| 500 | CHF 457.70 | CHF 426.20 |
| 1'000 | CHF 428.50 | CHF 399.00 |
| 1'500 | CHF 399.30 | CHF 371.80 |
| 2'000 | CHF 370.20 | CHF 344.70 |
| 2'500 | CHF 341.00 | CHF 317.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 336.30 | CHF 313.10 |
| 500 | CHF 324.70 | CHF 302.30 |
| 1'000 | CHF 295.50 | CHF 275.20 |
| 1'500 | CHF 266.30 | CHF 248.00 |
| 2'000 | CHF 237.20 | CHF 220.90 |
| 2'500 | CHF 208.00 | CHF 193.70 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 118.80 | CHF 110.70 |
| 100 | CHF 113.00 | CHF 105.30 |
| 200 | CHF 107.20 | CHF 99.90 |
| 300 | CHF 101.30 | CHF 94.40 |
| 400 | CHF 95.50 | CHF 89.00 |
| 500 | CHF 89.70 | CHF 83.60 |
| 600 | CHF 83.80 | CHF 78.10 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- 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 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
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.