Mutuel or ÖKK in Region 1 of canton Vaud?
In Region 1, ÖKK is CHF 282.00 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 594.00 a month, Mutuel to CHF 617.50. The gap is CHF 282.00 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Atupri, at CHF 570.10 a month. Moving there rather than to ÖKK is worth CHF 286.80 more a year. Atupri
Where they stand in the region
Mutuel ranks 15 and ÖKK ranks 11, 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 718.00 | CHF 660.00 | + 58.00 |
| 500 | CHF 706.50 | CHF 648.40 | + 58.10 |
| 1'000 | CHF 677.50 | CHF 619.20 | + 58.30 |
| 1'500 | CHF 648.00 | CHF 590.00 | + 58.00 |
| 2'000 | CHF 619.00 | CHF 560.90 | + 58.10 |
| 2'500 | CHF 590.00 | CHF 531.70 | + 58.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Mutuel | ÖKK |
|---|---|---|
| Other model | CHF 617.50 | CHF 610.50 |
| HMO practice | CHF 631.90 | CHF 627.00 |
| Family doctor | CHF 653.40 | CHF 594.00 |
| Free choice of doctor | CHF 718.00 | CHF 660.00 |
How they moved in this region
Against 2025, Mutuel moves by + 3.1 % and ÖKK by + 2.6 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.