Sanitas MultiAccess — Nidwalden
Nidwalden: the MultiAccess model from Sanitas costs CHF 432.80 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 432.80, MultiAccess is not the lowest premium here: Agrisano goes down to CHF 385.40. A named model does not guarantee the best price — it guarantees a care pathway.
On average, MultiAccess costs CHF 512.40 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 432.80 | CHF 403.00 |
| 500 | CHF 421.20 | CHF 392.20 |
| 1'000 | CHF 392.00 | CHF 365.00 |
| 1'500 | CHF 362.80 | CHF 337.80 |
| 2'000 | CHF 333.70 | CHF 310.70 |
| 2'500 | CHF 304.50 | CHF 283.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 309.10 | CHF 287.80 |
| 500 | CHF 297.50 | CHF 277.00 |
| 1'000 | CHF 268.30 | CHF 249.80 |
| 1'500 | CHF 239.10 | CHF 222.70 |
| 2'000 | CHF 210.00 | CHF 195.60 |
| 2'500 | CHF 180.80 | CHF 168.40 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 104.90 | CHF 97.70 |
| 100 | CHF 99.10 | CHF 92.30 |
| 200 | CHF 93.30 | CHF 86.90 |
| 300 | CHF 87.40 | CHF 81.40 |
| 400 | CHF 81.60 | CHF 76.00 |
| 500 | CHF 75.80 | CHF 70.60 |
| 600 | CHF 69.90 | CHF 65.10 |
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
- Neuchâtel
- 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.