Mutuel or ÖKK in Region 3 of canton Lucerne?
In Region 3, ÖKK is CHF 901.20 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 446.20 a month, Mutuel to CHF 521.30. The gap is CHF 901.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 414.30 a month. Moving there rather than to ÖKK is worth CHF 382.80 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 595.80 | CHF 507.00 | + 88.80 |
| 500 | CHF 584.30 | CHF 495.40 | + 88.90 |
| 1'000 | CHF 555.30 | CHF 466.20 | + 89.10 |
| 1'500 | CHF 525.80 | CHF 437.00 | + 88.80 |
| 2'000 | CHF 496.80 | CHF 407.90 | + 88.90 |
| 2'500 | CHF 467.80 | CHF 378.70 | + 89.10 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Mutuel | ÖKK |
|---|---|---|
| Other model | CHF 521.30 | CHF 456.30 |
| HMO practice | CHF 524.30 | CHF 446.20 |
| Family doctor | CHF 542.20 | CHF 456.30 |
| Free choice of doctor | CHF 595.80 | CHF 507.00 |
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.