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Mutuel or ÖKK in Region 2 of canton Schaffhausen?

In Region 2, ÖKK is CHF 952.80 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 448.10 a month, Mutuel to CHF 527.50. The gap is CHF 952.80 a year, 300-franc deductible, accident cover included.

What the question hides

Neither is the cheapest here: that is Agrisano, at CHF 433.80 a month. Moving there rather than to ÖKK is worth CHF 171.60 more a year. Agrisano

Where they stand in the region

Mutuel ranks 21 and ÖKK ranks 2, 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.

DeductibleMutuelÖKKGap
300CHF 599.40CHF 515.00+ 84.40
500CHF 587.90CHF 503.40+ 84.50
1'000CHF 558.90CHF 474.20+ 84.70
1'500CHF 529.40CHF 445.00+ 84.40
2'000CHF 500.40CHF 415.90+ 84.50
2'500CHF 471.40CHF 386.70+ 84.70

Model by model

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

ModelMutuelÖKK
HMO practiceCHF 527.50CHF 448.10
Other modelCHF 529.00CHF 463.50
Family doctorCHF 545.50CHF 463.50
Free choice of doctorCHF 599.40CHF 515.00

How they moved in this region

Against 2025, Mutuel moves by + 3.7 % and ÖKK by + 4.3 % in this region.

Mutuel, ÖKK, or another?

The comparator works out your actual premium across all 34 insurers at once, from your age, deductible and municipality.

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