Mutuel or ÖKK in Region 1 of canton Schaffhausen?
In Region 1, ÖKK is CHF 898.80 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 480.30 a month, Mutuel to CHF 555.20. The gap is CHF 898.80 a year, 300-franc deductible, accident cover included.
What the question hides
ÖKK is also the cheapest insurer in the region, out of 23 active insurers. Duel and ranking give the same answer here.
Where they stand in the region
Mutuel ranks 21 and ÖKK ranks 1, 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 630.90 | CHF 552.00 | + 78.90 |
| 500 | CHF 619.40 | CHF 540.40 | + 79.00 |
| 1'000 | CHF 590.40 | CHF 511.20 | + 79.20 |
| 1'500 | CHF 560.90 | CHF 482.00 | + 78.90 |
| 2'000 | CHF 531.90 | CHF 452.90 | + 79.00 |
| 2'500 | CHF 502.90 | CHF 423.70 | + 79.20 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Mutuel | ÖKK |
|---|---|---|
| HMO practice | CHF 555.20 | CHF 480.30 |
| Other model | CHF 556.80 | CHF 496.80 |
| Family doctor | CHF 574.20 | CHF 496.80 |
| Free choice of doctor | CHF 630.90 | CHF 552.00 |
How they moved in this region
Against 2025, Mutuel moves by + 3.7 % and ÖKK by + 3.0 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.