Sanitas MultiAccess — Region 2, St. Gallen
Region 2, St. Gallen: the MultiAccess model from Sanitas costs CHF 489.50 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 489.50, MultiAccess is not the lowest premium here: Agrisano goes down to CHF 419.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, MultiAccess costs CHF 580.80 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 489.50 | CHF 455.80 |
| 500 | CHF 477.90 | CHF 445.00 |
| 1'000 | CHF 448.70 | CHF 417.80 |
| 1'500 | CHF 419.50 | CHF 390.60 |
| 2'000 | CHF 390.40 | CHF 363.50 |
| 2'500 | CHF 361.20 | CHF 336.30 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 343.40 | CHF 319.80 |
| 500 | CHF 331.80 | CHF 309.00 |
| 1'000 | CHF 302.60 | CHF 281.80 |
| 1'500 | CHF 273.40 | CHF 254.60 |
| 2'000 | CHF 244.30 | CHF 227.50 |
| 2'500 | CHF 215.10 | CHF 200.30 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 124.50 | CHF 116.00 |
| 100 | CHF 118.70 | CHF 110.60 |
| 200 | CHF 112.90 | CHF 105.20 |
| 300 | CHF 107.00 | CHF 99.70 |
| 400 | CHF 101.20 | CHF 94.30 |
| 500 | CHF 95.40 | CHF 88.90 |
| 600 | CHF 89.50 | CHF 83.40 |
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 1
- 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.