Sanitas MultiAccess — Region 3, Grisons
Region 3, Grisons: the MultiAccess model from Sanitas costs CHF 454.80 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 454.80, MultiAccess is not the lowest premium here: vita surselva goes down to CHF 404.70. A named model does not guarantee the best price — it guarantees a care pathway.
On average, MultiAccess costs CHF 538.80 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 454.80 | CHF 423.50 |
| 500 | CHF 443.20 | CHF 412.70 |
| 1'000 | CHF 414.00 | CHF 385.50 |
| 1'500 | CHF 384.80 | CHF 358.30 |
| 2'000 | CHF 355.70 | CHF 331.20 |
| 2'500 | CHF 326.50 | CHF 304.00 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 321.00 | CHF 298.90 |
| 500 | CHF 309.40 | CHF 288.10 |
| 1'000 | CHF 280.20 | CHF 260.90 |
| 1'500 | CHF 251.00 | CHF 233.70 |
| 2'000 | CHF 221.90 | CHF 206.60 |
| 2'500 | CHF 192.70 | CHF 179.50 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 120.10 | CHF 111.90 |
| 100 | CHF 114.30 | CHF 106.50 |
| 200 | CHF 108.50 | CHF 101.10 |
| 300 | CHF 102.60 | CHF 95.60 |
| 400 | CHF 96.80 | CHF 90.20 |
| 500 | CHF 91.00 | CHF 84.80 |
| 600 | CHF 85.10 | CHF 79.30 |
The price, region by region
- 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
- 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.