Mutuel or ÖKK in Region 1 of canton Bern?
In Region 1, ÖKK is CHF 192.00 a year cheaper than Mutuel for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
ÖKK comes down to CHF 585.20 a month, Mutuel to CHF 601.20. The gap is CHF 192.00 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Visana, at CHF 540.10 a month. Moving there rather than to ÖKK is worth CHF 541.20 more a year. Visana
Where they stand in the region
Mutuel ranks 16 and ÖKK ranks 11, out of 26 active insurers in this region.
Deductible by deductible
With free choice of doctor, the one model every insurer offers — and therefore the only one where a row-by-row comparison compares the same thing.
| Deductible | Mutuel | ÖKK | Gap |
|---|---|---|---|
| 300 | CHF 687.00 | CHF 665.00 | + 22.00 |
| 500 | CHF 675.50 | CHF 653.40 | + 22.10 |
| 1'000 | CHF 646.50 | CHF 624.20 | + 22.30 |
| 1'500 | CHF 617.00 | CHF 595.00 | + 22.00 |
| 2'000 | CHF 588.00 | CHF 565.90 | + 22.10 |
| 2'500 | CHF 559.00 | CHF 536.70 | + 22.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Mutuel | ÖKK |
|---|---|---|
| Other model | CHF 601.20 | CHF 598.50 |
| HMO practice | CHF 604.60 | CHF 585.20 |
| Family doctor | CHF 625.20 | CHF 598.50 |
| Free choice of doctor | CHF 687.00 | CHF 665.00 |
How they moved in this region
Against 2025, Mutuel moves by + 3.7 % and ÖKK by + 4.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.