Sanitas MultiAccess — Region 1, Lucerne
Region 1, Lucerne: the MultiAccess model from Sanitas costs CHF 482.90 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 482.90, MultiAccess is not the lowest premium here: Atupri goes down to CHF 451.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, MultiAccess costs CHF 572.40 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 482.90 | CHF 449.60 |
| 500 | CHF 471.30 | CHF 438.80 |
| 1'000 | CHF 442.10 | CHF 411.60 |
| 1'500 | CHF 412.90 | CHF 384.50 |
| 2'000 | CHF 383.80 | CHF 357.40 |
| 2'500 | CHF 354.60 | CHF 330.20 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 345.00 | CHF 321.20 |
| 500 | CHF 333.40 | CHF 310.40 |
| 1'000 | CHF 304.20 | CHF 283.30 |
| 1'500 | CHF 275.00 | CHF 256.10 |
| 2'000 | CHF 245.90 | CHF 229.00 |
| 2'500 | CHF 216.70 | CHF 201.80 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 126.50 | CHF 117.80 |
| 100 | CHF 120.70 | CHF 112.40 |
| 200 | CHF 114.90 | CHF 107.00 |
| 300 | CHF 109.00 | CHF 101.50 |
| 400 | CHF 103.20 | CHF 96.10 |
| 500 | CHF 97.40 | CHF 90.70 |
| 600 | CHF 91.50 | CHF 85.20 |
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
- Grisons — Region 3
- Jura
- 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.