Mutuel or ÖKK in Region 2 of canton Ticino?
In Region 2, ÖKK is CHF 902.40 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 574.20 a month, Mutuel to CHF 649.40. The gap is CHF 902.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 539.00 a month. Moving there rather than to ÖKK is worth CHF 422.40 more a year. Agrisano
Where they stand in the region
Mutuel ranks 18 and ÖKK ranks 6, 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 733.80 | CHF 660.00 | + 73.80 |
| 500 | CHF 722.30 | CHF 648.40 | + 73.90 |
| 1'000 | CHF 693.30 | CHF 619.20 | + 74.10 |
| 1'500 | CHF 663.80 | CHF 590.00 | + 73.80 |
| 2'000 | CHF 634.80 | CHF 560.90 | + 73.90 |
| 2'500 | CHF 605.80 | CHF 531.70 | + 74.10 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Mutuel | ÖKK |
|---|---|---|
| Other model | CHF 649.40 | CHF 603.90 |
| Family doctor | CHF 667.80 | CHF 594.00 |
| Free choice of doctor | CHF 733.80 | CHF 660.00 |
| HMO practice | — | CHF 574.20 |
How they moved in this region
Against 2025, Mutuel moves by + 3.3 % and ÖKK by + 7.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.