Mutuel or ÖKK in Region 2 of canton Zurich?

In Region 2, ÖKK is CHF 415.20 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 496.70 a month, Mutuel to CHF 531.30. The gap is CHF 415.20 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 467.90 a month. Moving there rather than to ÖKK is worth CHF 345.60 more a year. Agrisano

Mutuel ranks 23 and ÖKK ranks 11, out of 27 active insurers in this region.

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 614.30	CHF 558.00	+ 56.30
500	CHF 602.80	CHF 546.40	+ 56.40
1'000	CHF 573.80	CHF 517.20	+ 56.60
1'500	CHF 544.30	CHF 488.00	+ 56.30
2'000	CHF 515.30	CHF 458.90	+ 56.40
2'500	CHF 486.30	CHF 429.70	+ 56.60

Each insurer’s lowest rate in each model type, 300-franc deductible.

Against 2025, Mutuel moves by + 3.6 % and ÖKK by + 6.7 % in this region.

Source: Federal Office of Public Health (FOPH), official premiums.