Mutuel or ÖKK in Region 1 of canton Ticino?
In Region 1, ÖKK is CHF 549.60 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 637.80 a month, Mutuel to CHF 683.60. The gap is CHF 549.60 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 583.90 a month. Moving there rather than to ÖKK is worth CHF 646.80 more a year. Agrisano
Where they stand in the region
Mutuel ranks 17 and ÖKK ranks 12, out of 21 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 772.40 | CHF 733.00 | + 39.40 |
| 500 | CHF 760.90 | CHF 721.40 | + 39.50 |
| 1'000 | CHF 731.90 | CHF 692.20 | + 39.70 |
| 1'500 | CHF 702.40 | CHF 663.00 | + 39.40 |
| 2'000 | CHF 673.40 | CHF 633.90 | + 39.50 |
| 2'500 | CHF 644.40 | CHF 604.70 | + 39.70 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Mutuel | ÖKK |
|---|---|---|
| Other model | CHF 683.60 | CHF 670.70 |
| Family doctor | CHF 702.90 | CHF 659.70 |
| Free choice of doctor | CHF 772.40 | CHF 733.00 |
| HMO practice | — | CHF 637.80 |
How they moved in this region
Against 2025, Mutuel moves by + 3.3 % and ÖKK by + 6.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.