Sanitas MultiAccess — Region 3, St. Gallen
Region 3, St. Gallen: the MultiAccess model from Sanitas costs CHF 466.30 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 466.30, MultiAccess is not the lowest premium here: Agrisano goes down to CHF 401.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, MultiAccess costs CHF 553.20 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 466.30 | CHF 434.20 |
| 500 | CHF 454.70 | CHF 423.40 |
| 1'000 | CHF 425.50 | CHF 396.20 |
| 1'500 | CHF 396.30 | CHF 369.00 |
| 2'000 | CHF 367.20 | CHF 341.90 |
| 2'500 | CHF 338.00 | CHF 314.70 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 327.10 | CHF 304.60 |
| 500 | CHF 315.50 | CHF 293.80 |
| 1'000 | CHF 286.30 | CHF 266.60 |
| 1'500 | CHF 257.10 | CHF 239.40 |
| 2'000 | CHF 228.00 | CHF 212.30 |
| 2'500 | CHF 198.80 | CHF 185.10 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 118.60 | CHF 110.50 |
| 100 | CHF 112.80 | CHF 105.10 |
| 200 | CHF 107.00 | CHF 99.70 |
| 300 | CHF 101.10 | CHF 94.20 |
| 400 | CHF 95.30 | CHF 88.80 |
| 500 | CHF 89.50 | CHF 83.40 |
| 600 | CHF 83.60 | CHF 77.90 |
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 2
- 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.