Mutuel or ÖKK in Region 1 of canton Fribourg?
In Region 1, ÖKK is CHF 262.80 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 520.20 a month, Mutuel to CHF 542.10. The gap is CHF 262.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Vivao Sympany, at CHF 501.10 a month. Moving there rather than to ÖKK is worth CHF 229.20 more a year. Vivao Sympany
Where they stand in the region
Mutuel ranks 18 and ÖKK ranks 12, out of 23 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 645.30 | CHF 578.00 | + 67.30 |
| 500 | CHF 633.80 | CHF 566.40 | + 67.40 |
| 1'000 | CHF 604.80 | CHF 537.20 | + 67.60 |
| 1'500 | CHF 575.30 | CHF 508.00 | + 67.30 |
| 2'000 | CHF 546.30 | CHF 478.90 | + 67.40 |
| 2'500 | CHF 517.30 | CHF 449.70 | + 67.60 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Mutuel | ÖKK |
|---|---|---|
| HMO practice | CHF 542.10 | CHF 520.20 |
| Other model | CHF 551.80 | CHF 520.20 |
| Family doctor | CHF 587.30 | CHF 520.20 |
| Free choice of doctor | CHF 645.30 | CHF 578.00 |
How they moved in this region
Against 2025, Mutuel moves by + 3.9 % and ÖKK by + 5.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.