Sanitas MultiAccess — Appenzell Innerrhoden
Appenzell Innerrhoden: the MultiAccess model from Sanitas costs CHF 395.70 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 395.70, MultiAccess is not the lowest premium here: Agrisano goes down to CHF 353.50. A named model does not guarantee the best price — it guarantees a care pathway.
On average, MultiAccess costs CHF 469.20 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 395.70 | CHF 368.40 |
| 500 | CHF 384.10 | CHF 357.60 |
| 1'000 | CHF 354.90 | CHF 330.50 |
| 1'500 | CHF 325.70 | CHF 303.30 |
| 2'000 | CHF 296.60 | CHF 276.20 |
| 2'500 | CHF 267.40 | CHF 249.00 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 302.50 | CHF 281.70 |
| 500 | CHF 290.90 | CHF 270.90 |
| 1'000 | CHF 261.70 | CHF 243.70 |
| 1'500 | CHF 232.50 | CHF 216.50 |
| 2'000 | CHF 203.40 | CHF 189.40 |
| 2'500 | CHF 174.20 | CHF 162.20 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 107.10 | CHF 99.80 |
| 100 | CHF 101.30 | CHF 94.40 |
| 200 | CHF 95.50 | CHF 89.00 |
| 300 | CHF 89.60 | CHF 83.50 |
| 400 | CHF 83.80 | CHF 78.10 |
| 500 | CHF 78.00 | CHF 72.70 |
| 600 | CHF 72.10 | CHF 67.20 |
The price, region by region
- Aargau
- 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 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.