Mutuel or ÖKK in Region 3 of canton Bern?
In Region 3, ÖKK is CHF 624.00 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 477.00 a month, Mutuel to CHF 529.00. The gap is CHF 624.00 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 447.50 a month. Moving there rather than to ÖKK is worth CHF 354.00 more a year. Agrisano
Where they stand in the region
Mutuel ranks 23 and ÖKK ranks 3, 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 604.60 | CHF 542.00 | + 62.60 |
| 500 | CHF 593.10 | CHF 530.40 | + 62.70 |
| 1'000 | CHF 564.10 | CHF 501.20 | + 62.90 |
| 1'500 | CHF 534.60 | CHF 472.00 | + 62.60 |
| 2'000 | CHF 505.60 | CHF 442.90 | + 62.70 |
| 2'500 | CHF 476.60 | CHF 413.70 | + 62.90 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Mutuel | ÖKK |
|---|---|---|
| Other model | CHF 529.00 | CHF 487.80 |
| HMO practice | CHF 532.10 | CHF 477.00 |
| Family doctor | CHF 550.20 | CHF 487.80 |
| Free choice of doctor | CHF 604.60 | CHF 542.00 |
How they moved in this region
Against 2025, Mutuel moves by + 3.7 % and ÖKK by + 5.6 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.