Mutuel or ÖKK?
Basic benefits are identical at Mutuel and ÖKK — the law requires it. Only the price differs, and it differs from canton to canton. Here is where each one wins.
ÖKK is cheaper in 34 of 42 premium regions.
On average, ÖKK costs CHF 385 less per year.
Adult, CHF 300 deductible, accident cover included. Each insurer’s lowest premium, across all models.
Region by region
| Canton | Region | Mutuel | ÖKK | Monthly gap |
|---|---|---|---|---|
| Aargau | single | CHF 500.20 | CHF 500.30 | CHF -0.10 |
| Appenzell Innerrhoden | single | CHF 422.20 | CHF 367.20 | +CHF 55.00 |
| Appenzell Ausserrhoden | single | CHF 558.50 | CHF 436.80 | +CHF 121.70 |
| Bern | 1 | CHF 601.20 | CHF 585.20 | +CHF 16.00 |
| Bern | 2 | CHF 553.10 | CHF 503.40 | +CHF 49.70 |
| Bern | 3 | CHF 529.00 | CHF 477.00 | +CHF 52.00 |
| Basel-Landschaft | 1 | CHF 572.40 | CHF 560.70 | +CHF 11.70 |
| Basel-Landschaft | 2 | CHF 538.00 | CHF 520.70 | +CHF 17.30 |
| Basel-Stadt | single | CHF 593.60 | CHF 610.80 | CHF -17.20 |
| Fribourg | 1 | CHF 542.10 | CHF 520.20 | +CHF 21.90 |
| Fribourg | 2 | CHF 512.30 | CHF 477.90 | +CHF 34.40 |
| Geneva | single | CHF 624.40 | CHF 656.80 | CHF -32.40 |
| Glarus | single | CHF 476.50 | CHF 477.00 | CHF -0.50 |
| Grisons | 1 | CHF 479.50 | CHF 463.50 | +CHF 16.00 |
| Grisons | 2 | CHF 467.60 | CHF 435.60 | +CHF 32.00 |
| Grisons | 3 | CHF 455.60 | CHF 425.70 | +CHF 29.90 |
| Jura | single | CHF 591.80 | CHF 601.30 | CHF -9.50 |
| Lucerne | 1 | CHF 560.60 | CHF 481.40 | +CHF 79.20 |
| Lucerne | 2 | CHF 526.90 | CHF 458.50 | +CHF 68.40 |
| Lucerne | 3 | CHF 521.30 | CHF 446.20 | +CHF 75.10 |
| Neuchâtel | single | CHF 624.00 | CHF 607.50 | +CHF 16.50 |
| Nidwalden | single | CHF 511.40 | CHF 427.20 | +CHF 84.20 |
| Obwalden | single | CHF 442.10 | CHF 427.20 | +CHF 14.90 |
| St. Gallen | 1 | CHF 527.60 | CHF 485.80 | +CHF 41.80 |
| St. Gallen | 2 | CHF 490.70 | CHF 455.90 | +CHF 34.80 |
| St. Gallen | 3 | CHF 464.30 | CHF 447.10 | +CHF 17.20 |
| Schaffhausen | 1 | CHF 555.20 | CHF 480.30 | +CHF 74.90 |
| Schaffhausen | 2 | CHF 527.50 | CHF 448.10 | +CHF 79.40 |
| Solothurn | single | CHF 509.40 | CHF 514.20 | CHF -4.80 |
| Schwyz | single | CHF 453.00 | CHF 441.80 | +CHF 11.20 |
| Thurgau | single | CHF 488.50 | CHF 464.70 | +CHF 23.80 |
| Ticino | 1 | CHF 683.60 | CHF 637.80 | +CHF 45.80 |
| Ticino | 2 | CHF 649.40 | CHF 574.20 | +CHF 75.20 |
| Uri | single | CHF 482.30 | CHF 413.30 | +CHF 69.00 |
| Vaud | 1 | CHF 617.50 | CHF 594.00 | +CHF 23.50 |
| Vaud | 2 | CHF 580.50 | CHF 567.00 | +CHF 13.50 |
| Valais | 1 | CHF 503.20 | CHF 499.50 | +CHF 3.70 |
| Valais | 2 | CHF 478.10 | CHF 432.00 | +CHF 46.10 |
| Zug | single | CHF 364.00 | CHF 379.40 | CHF -15.40 |
| Zurich | 1 | CHF 553.50 | CHF 556.30 | CHF -2.80 |
| Zurich | 2 | CHF 531.30 | CHF 496.70 | +CHF 34.60 |
| Zurich | 3 | CHF 492.60 | CHF 453.10 | +CHF 39.50 |
A premium gap says nothing about service quality, reimbursement times or how easy it is to reach someone. Those things are not published, and we will not invent them.