Sanitas MultiAccess — Region 3, Lucerne
Region 3, Lucerne: the MultiAccess model from Sanitas costs CHF 449.30 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 449.30, MultiAccess is not the lowest premium here: Agrisano goes down to CHF 414.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, MultiAccess costs CHF 532.80 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 449.30 | CHF 418.30 |
| 500 | CHF 437.70 | CHF 407.50 |
| 1'000 | CHF 408.50 | CHF 380.40 |
| 1'500 | CHF 379.30 | CHF 353.20 |
| 2'000 | CHF 350.20 | CHF 326.10 |
| 2'500 | CHF 321.00 | CHF 298.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 320.90 | CHF 298.80 |
| 500 | CHF 309.30 | CHF 288.00 |
| 1'000 | CHF 280.10 | CHF 260.80 |
| 1'500 | CHF 250.90 | CHF 233.60 |
| 2'000 | CHF 221.80 | CHF 206.50 |
| 2'500 | CHF 192.60 | CHF 179.40 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 117.60 | CHF 109.50 |
| 100 | CHF 111.80 | CHF 104.10 |
| 200 | CHF 106.00 | CHF 98.70 |
| 300 | CHF 100.10 | CHF 93.20 |
| 400 | CHF 94.30 | CHF 87.80 |
| 500 | CHF 88.50 | CHF 82.40 |
| 600 | CHF 82.60 | CHF 76.90 |
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 1
- Lucerne — Region 2
- 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.