Mutuel or ÖKK in Region 1 of canton Lucerne?

In Region 1, ÖKK is CHF 950.40 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 481.40 a month, Mutuel to CHF 560.60. The gap is CHF 950.40 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Atupri, at CHF 451.60 a month. Moving there rather than to ÖKK is worth CHF 357.60 more a year. Atupri

Mutuel ranks 24 and ÖKK ranks 10, out of 25 active insurers in this region.

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 640.60	CHF 547.00	+ 93.60
500	CHF 629.10	CHF 535.40	+ 93.70
1'000	CHF 600.10	CHF 506.20	+ 93.90
1'500	CHF 570.60	CHF 477.00	+ 93.60
2'000	CHF 541.60	CHF 447.90	+ 93.70
2'500	CHF 512.60	CHF 418.70	+ 93.90

Each insurer’s lowest rate in each model type, 300-franc deductible.

Against 2025, Mutuel moves by + 8.0 % and ÖKK by + 2.3 % in this region.

Source: Federal Office of Public Health (FOPH), official premiums.