Mutuel or ÖKK in Region 2 of canton Lucerne?
In Region 2, ÖKK is CHF 820.80 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 458.50 a month, Mutuel to CHF 526.90. The gap is CHF 820.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 425.70 a month. Moving there rather than to ÖKK is worth CHF 393.60 more a year. Agrisano
Where they stand in the region
Mutuel ranks 25 and ÖKK ranks 14, out of 25 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 602.20 | CHF 521.00 | + 81.20 |
| 500 | CHF 590.70 | CHF 509.40 | + 81.30 |
| 1'000 | CHF 561.70 | CHF 480.20 | + 81.50 |
| 1'500 | CHF 532.20 | CHF 451.00 | + 81.20 |
| 2'000 | CHF 503.20 | CHF 421.90 | + 81.30 |
| 2'500 | CHF 474.20 | CHF 392.70 | + 81.50 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Mutuel | ÖKK |
|---|---|---|
| Other model | CHF 526.90 | CHF 468.90 |
| HMO practice | CHF 530.00 | CHF 458.50 |
| Family doctor | CHF 548.00 | CHF 468.90 |
| Free choice of doctor | CHF 602.20 | CHF 521.00 |
How they moved in this region
Against 2025, Mutuel moves by + 8.0 % and ÖKK by + 2.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.