Sanitas MultiAccess — Region 1, St. Gallen
Region 1, St. Gallen: the MultiAccess model from Sanitas costs CHF 501.70 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 501.70, MultiAccess is not the lowest premium here: Sanitas goes down to CHF 479.65. A named model does not guarantee the best price — it guarantees a care pathway.
On average, MultiAccess costs CHF 595.20 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 501.70 | CHF 467.10 |
| 500 | CHF 490.10 | CHF 456.30 |
| 1'000 | CHF 460.90 | CHF 429.10 |
| 1'500 | CHF 431.70 | CHF 402.00 |
| 2'000 | CHF 402.60 | CHF 374.90 |
| 2'500 | CHF 373.40 | CHF 347.70 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 352.00 | CHF 327.80 |
| 500 | CHF 340.40 | CHF 317.00 |
| 1'000 | CHF 311.20 | CHF 289.80 |
| 1'500 | CHF 282.00 | CHF 262.60 |
| 2'000 | CHF 252.90 | CHF 235.50 |
| 2'500 | CHF 223.70 | CHF 208.30 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 127.60 | CHF 118.80 |
| 100 | CHF 121.80 | CHF 113.40 |
| 200 | CHF 116.00 | CHF 108.00 |
| 300 | CHF 110.10 | CHF 102.60 |
| 400 | CHF 104.30 | CHF 97.20 |
| 500 | CHF 98.50 | CHF 91.80 |
| 600 | CHF 92.60 | CHF 86.30 |
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
- Obwalden
- 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.