Mutuel or ÖKK in Region 1 of canton Grisons?
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 463.50 a month, Mutuel to CHF 479.50. 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 Sanitas, at CHF 453.60 a month. Moving there rather than to ÖKK is worth CHF 118.80 more a year. Sanitas
Where they stand in the region
Mutuel ranks 9 and ÖKK ranks 4, out of 24 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 548.00 | CHF 515.00 | + 33.00 |
| 500 | CHF 536.50 | CHF 503.40 | + 33.10 |
| 1'000 | CHF 507.50 | CHF 474.20 | + 33.30 |
| 1'500 | CHF 478.00 | CHF 445.00 | + 33.00 |
| 2'000 | CHF 449.00 | CHF 415.90 | + 33.10 |
| 2'500 | CHF 420.00 | CHF 386.70 | + 33.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Mutuel | ÖKK |
|---|---|---|
| Other model | CHF 479.50 | CHF 463.50 |
| HMO practice | CHF 482.30 | CHF 463.50 |
| Family doctor | CHF 498.70 | CHF 463.50 |
| Free choice of doctor | CHF 548.00 | CHF 515.00 |
How they moved in this region
Against 2025, Mutuel moves by + 6.9 % and ÖKK by + 4.0 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.