Sanitas MultiAccess — Neuchâtel
Neuchâtel: the MultiAccess model from Sanitas costs CHF 624.70 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 624.70, MultiAccess is not the lowest premium here: Visana goes down to CHF 554.20. A named model does not guarantee the best price — it guarantees a care pathway.
On average, MultiAccess costs CHF 740.40 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 624.70 | CHF 581.60 |
| 500 | CHF 613.10 | CHF 570.80 |
| 1'000 | CHF 583.90 | CHF 543.70 |
| 1'500 | CHF 554.70 | CHF 516.50 |
| 2'000 | CHF 525.60 | CHF 489.40 |
| 2'500 | CHF 496.40 | CHF 462.20 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 419.60 | CHF 390.70 |
| 500 | CHF 408.00 | CHF 379.90 |
| 1'000 | CHF 378.80 | CHF 352.70 |
| 1'500 | CHF 349.60 | CHF 325.50 |
| 2'000 | CHF 320.50 | CHF 298.40 |
| 2'500 | CHF 291.30 | CHF 271.20 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 160.20 | CHF 149.20 |
| 100 | CHF 154.40 | CHF 143.80 |
| 200 | CHF 148.60 | CHF 138.40 |
| 300 | CHF 142.70 | CHF 132.90 |
| 400 | CHF 136.90 | CHF 127.50 |
| 500 | CHF 131.10 | CHF 122.10 |
| 600 | CHF 125.20 | CHF 116.60 |
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
- Lucerne — Region 3
- 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.