Mutuel or ÖKK in Region 2 of canton Vaud?
In Region 2, ÖKK is CHF 162.00 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 567.00 a month, Mutuel to CHF 580.50. The gap is CHF 162.00 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Assura-Basis, at CHF 537.30 a month. Moving there rather than to ÖKK is worth CHF 356.40 more a year. Assura-Basis
Where they stand in the region
Mutuel ranks 17 and ÖKK ranks 16, 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 675.00 | CHF 630.00 | + 45.00 |
| 500 | CHF 663.50 | CHF 618.40 | + 45.10 |
| 1'000 | CHF 634.50 | CHF 589.20 | + 45.30 |
| 1'500 | CHF 605.00 | CHF 560.00 | + 45.00 |
| 2'000 | CHF 576.00 | CHF 530.90 | + 45.10 |
| 2'500 | CHF 547.00 | CHF 501.70 | + 45.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Mutuel | ÖKK |
|---|---|---|
| Other model | CHF 580.50 | CHF 582.80 |
| HMO practice | CHF 594.00 | CHF 598.50 |
| Family doctor | CHF 614.20 | CHF 567.00 |
| Free choice of doctor | CHF 675.00 | CHF 630.00 |
How they moved in this region
Against 2025, Mutuel moves by + 3.1 % and ÖKK by + 2.8 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.