Mutuel or ÖKK in Region 2 of canton Fribourg?
In Region 2, ÖKK is CHF 412.80 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 477.90 a month, Mutuel to CHF 512.30. The gap is CHF 412.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 450.00 a month. Moving there rather than to ÖKK is worth CHF 334.80 more a year. Agrisano
Where they stand in the region
Mutuel ranks 21 and ÖKK ranks 8, 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 609.90 | CHF 531.00 | + 78.90 |
| 500 | CHF 598.40 | CHF 519.40 | + 79.00 |
| 1'000 | CHF 569.40 | CHF 490.20 | + 79.20 |
| 1'500 | CHF 539.90 | CHF 461.00 | + 78.90 |
| 2'000 | CHF 510.90 | CHF 431.90 | + 79.00 |
| 2'500 | CHF 481.90 | CHF 402.70 | + 79.20 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Mutuel | ÖKK |
|---|---|---|
| HMO practice | CHF 512.30 | CHF 477.90 |
| Other model | CHF 521.40 | CHF 477.90 |
| Family doctor | CHF 555.00 | CHF 477.90 |
| Free choice of doctor | CHF 609.90 | CHF 531.00 |
How they moved in this region
Against 2025, Mutuel moves by + 3.9 % and ÖKK by + 5.4 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.