Mutuel or ÖKK in Region 1 of canton Zurich?
In Region 1, Mutuel is CHF 33.60 a year cheaper than ÖKK for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
Mutuel comes down to CHF 553.50 a month, ÖKK to CHF 556.30. The gap is CHF 33.60 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Atupri, at CHF 517.70 a month. Moving there rather than to Mutuel is worth CHF 429.60 more a year. Atupri
Where they stand in the region
Mutuel ranks 11 and ÖKK ranks 13, out of 27 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 639.80 | CHF 625.00 | + 14.80 |
| 500 | CHF 628.30 | CHF 613.40 | + 14.90 |
| 1'000 | CHF 599.30 | CHF 584.20 | + 15.10 |
| 1'500 | CHF 569.80 | CHF 555.00 | + 14.80 |
| 2'000 | CHF 540.80 | CHF 525.90 | + 14.90 |
| 2'500 | CHF 511.80 | CHF 496.70 | + 15.10 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Mutuel | ÖKK |
|---|---|---|
| Other model | CHF 553.50 | CHF 571.90 |
| HMO practice | CHF 563.10 | CHF 556.30 |
| Family doctor | CHF 582.30 | CHF 562.50 |
| Free choice of doctor | CHF 639.80 | CHF 625.00 |
How they moved in this region
Against 2025, Mutuel moves by + 3.6 % and ÖKK by + 5.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.