Sanitas MultiAccess — Region 3, Bern
Region 3, Bern: the MultiAccess model from Sanitas costs CHF 518.30 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 518.30, MultiAccess is not the lowest premium here: Agrisano goes down to CHF 447.50. A named model does not guarantee the best price — it guarantees a care pathway.
On average, MultiAccess costs CHF 614.40 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 518.30 | CHF 482.60 |
| 500 | CHF 506.70 | CHF 471.80 |
| 1'000 | CHF 477.50 | CHF 444.60 |
| 1'500 | CHF 448.30 | CHF 417.40 |
| 2'000 | CHF 419.20 | CHF 390.30 |
| 2'500 | CHF 390.00 | CHF 363.10 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 355.30 | CHF 330.80 |
| 500 | CHF 343.70 | CHF 320.00 |
| 1'000 | CHF 314.50 | CHF 292.80 |
| 1'500 | CHF 285.30 | CHF 265.70 |
| 2'000 | CHF 256.20 | CHF 238.60 |
| 2'500 | CHF 227.00 | CHF 211.40 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 114.50 | CHF 106.60 |
| 100 | CHF 108.70 | CHF 101.20 |
| 200 | CHF 102.90 | CHF 95.80 |
| 300 | CHF 97.00 | CHF 90.40 |
| 400 | CHF 91.20 | CHF 85.00 |
| 500 | CHF 85.40 | CHF 79.60 |
| 600 | CHF 79.50 | CHF 74.10 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- 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.