Premium discount: 10–15%
Three points of contact
for your health
Combi model: MultiAccess
MultiAccess is a flexible basic insurance model with access to networks of experts – offering high quality at an attractive price.
Key benefits
Who is MultiAccess suitable for?
MultiAccess is the ideal choice for anyone who wants to combine maximum flexibility with high quality. And for anyone who values a range of options for accessing medical care – while also benefiting from a premium discount.
How MultiAccess works
Step 1
Choose a medical practice from the Sanitas list and let us know your choice via the Sanitas Portal or your customer advisor.
Step 2
You have three points of contact to choose from if you need medical advice: Your chosen medical practice, the telemedicine centre or one of our partner pharmacies.
Step 3
Your chosen contact provides the initial medical care, draws up a plan for further treatment with you and informs your medical practice.
Step 4
Your points of contact coordinate any further measures within the network of experts. This way you benefit from the best possible treatment pathway. Please inform your medical practice or the telemedicine centre of any follow-up check-ups or referrals to other specialists.
In hospital
For a hospital stay, choose the general ward and a recognised clinic on the cantonal hospital list.
In an emergency
In an emergency, you can go directly to an emergency doctor or to the emergency room of a hospital. Your coordinating contacts will take care of any follow-up treatment and check-ups.
Exceptions
Exceptions include gynaecological treatment, maternity examinations (including childbirth), visits to a dentist, periodic eye tests, vaccinations and paediatric treatment for children up to end of the year in which they turn 7.
Points of contact with MultiAccess
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Family doctor or group practice
You choose your family doctor or group practice from the Sanitas list. Sanitas has concluded contracts with these practices that guarantee high quality and low costs. Your chosen practice provides support and coordinates your treatments for the best possible support tailored to your requirements.
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Telemedicine centre
If you’re not sure whether you need to see a doctor or you have a medical query, you can contact the medical hotline. If the telemedical consultation fully resolves your health concern, it will be billed like a visit to the doctor under basic insurance. In other words, you cover the costs until you’ve reached your deductible. On average, you can expect to pay between CHF 30 and CHF 70 for every initial and follow-up consultation (plus any emergency surcharges). If the treatment is not concluded, you will be referred to a healthcare provider (medical practice/specialist/hospital) in person and you will not incur any costs.
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Partner pharmacies
You have flexible options to seek advice from one of our partner pharmacies. Sanitas covers the cost of the initial consultation. If the pharmacy cannot fully resolve your medical concern, you will be referred to your medical practice or the telemedicine centre. They will provide any further treatment required.
Overview of benefits
All the basic insurance models offer the same benefits. We reimburse you for the following benefits after the statutory cost shares (deductible, copayment, hospital cost contribution) have been deducted.
Sanitas may cover part or all of your cost shares (deductible and copayment) for certain benefits. You can find an overview of the corresponding benefits here.
Grundversicherung | |
|---|---|
| Inland | Behandlung durch Ärzte, Chiropraktiker sowie ärztlich verordnete Therapien durch andere Medizinalpersonen |
| EU/EFTA (bei Notfällen) | Behandlung gemäss bilateralen Abkommen (Personenfreizügigkeit) |
| Übriges Ausland (bei Notfällen) | Max doppelter Beitrag der Kosten gemäss Tarif am Wohnort. |
Sofern von Ärzten durchgeführt: Akupunktur, anthroposophische Medizin, Homöopathie, Phytotherapie, Traditionelle Chinesische Medizin (TCM) gemäss gesetzlichen Bestimmungen | |
Hilfsmittel gemäss Mittel und Gegenständeliste (MiGeL) | |
Medikamente der Arzneimittel und Spezialitätenliste | |
Vorsorgemassnahmen, z.B. Entwicklungskontrollen beim Kind, gynäkologische Vorsorgeuntersuchungen (alle 3 Jahre), bestimmte Impfungen | |
Kontrolluntersuchungen durch Ärzte oder Hebammen, CHF 150.– für Geburtsvorbereitungskurs, Stillberatung | |
Behandlung durch Ärzte | |
| Bis 18. Altersjahr | CHF 180.– |
| Badekuren Inland | CHF 10.–/Tag, max. 21 Tage in anerkannten Heilbädern der Schweiz |
| Transport | 50%, max. CHF 500.– |
| Rettung | 50%, max. CHF 5000.– |
| Inland | Allgemeine Abteilung in Listenspitälern, max. Tarif des Wohnkantons |
| EU/EFTA (bei Notfällen) | Aufenthalt, Pflege und Behandlung gemäss bilateralen Abkommen (Personenfreizügigkeit) |
| Übriges Ausland (bei Notfällen) | Max. doppelter Betrag der Kosten gemäss Tarif im Wohnkanton |
The amounts listed are for maximum benefits and, unless specified otherwise, are valid for each calendar year. Decisive for the service orientation are exclusively the KVG, the associated regulations as well as the AVB and ZB of Sanitas.
Downloads
Frequently asked questions
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What do I have to do in an emergency?
In an emergency, you don’t have to contact your family doctor or group practice, the telemedicine centre or a pharmacy, but can go directly to an emergency doctor or the A&E department of a hospital. Your family doctor or group practice, the telemedicine centre or the pharmacy are then responsible for any follow-up treatment or check-ups.
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Do I always have to contact the same family doctor or group practice?
Yes. You choose a family doctor or group practice at the start that is responsible for coordinating your treatments. You can always contact this practice or one of the other contact points (a pharmacy or the telemedicine centre).
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What are the benefits of MultiAccess?
As your treatments are coordinated, you not only receive first-class medical care, you also avoid unnecessary steps and multiple examinations. The efficient collaboration between the three points of contact also ensures targeted treatment. You benefit from a premium discount of between X% and Y%.
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Why is a range given for the premium discount?
The range given for the premium discount takes into account the different premium regions. How much you save depends on where you live.
