Sanitas MultiAccess — Region 3, Zurich
Region 3, Zurich: the MultiAccess model from Sanitas costs CHF 477.60 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 477.60, MultiAccess is not the lowest premium here: Agrisano goes down to CHF 427.80. A named model does not guarantee the best price — it guarantees a care pathway.
On average, MultiAccess costs CHF 566.40 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 477.60 | CHF 444.70 |
| 500 | CHF 466.00 | CHF 433.90 |
| 1'000 | CHF 436.80 | CHF 406.70 |
| 1'500 | CHF 407.60 | CHF 379.50 |
| 2'000 | CHF 378.50 | CHF 352.40 |
| 2'500 | CHF 349.30 | CHF 325.20 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 331.00 | CHF 308.20 |
| 500 | CHF 319.40 | CHF 297.40 |
| 1'000 | CHF 290.20 | CHF 270.20 |
| 1'500 | CHF 261.00 | CHF 243.00 |
| 2'000 | CHF 231.90 | CHF 215.90 |
| 2'500 | CHF 202.70 | CHF 188.80 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 130.70 | CHF 121.70 |
| 100 | CHF 124.90 | CHF 116.30 |
| 200 | CHF 119.10 | CHF 110.90 |
| 300 | CHF 113.20 | CHF 105.40 |
| 400 | CHF 107.40 | CHF 100.00 |
| 500 | CHF 101.60 | CHF 94.60 |
| 600 | CHF 95.70 | CHF 89.10 |
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
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
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.