Sanitas MultiAccess — Obwalden
Obwalden: the MultiAccess model from Sanitas costs CHF 437.50 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 437.50, MultiAccess is not the lowest premium here: Agrisano goes down to CHF 382.80. A named model does not guarantee the best price — it guarantees a care pathway.
On average, MultiAccess costs CHF 518.40 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 437.50 | CHF 407.40 |
| 500 | CHF 425.90 | CHF 396.60 |
| 1'000 | CHF 396.70 | CHF 369.40 |
| 1'500 | CHF 367.50 | CHF 342.20 |
| 2'000 | CHF 338.40 | CHF 315.10 |
| 2'500 | CHF 309.20 | CHF 287.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 310.20 | CHF 288.80 |
| 500 | CHF 298.60 | CHF 278.00 |
| 1'000 | CHF 269.40 | CHF 250.90 |
| 1'500 | CHF 240.20 | CHF 223.70 |
| 2'000 | CHF 211.10 | CHF 196.60 |
| 2'500 | CHF 181.90 | CHF 169.40 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 106.60 | CHF 99.30 |
| 100 | CHF 100.80 | CHF 93.90 |
| 200 | CHF 95.00 | CHF 88.50 |
| 300 | CHF 89.10 | CHF 83.00 |
| 400 | CHF 83.30 | CHF 77.60 |
| 500 | CHF 77.50 | CHF 72.20 |
| 600 | CHF 71.60 | CHF 66.70 |
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
- Nidwalden
- 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.