Mutuel or ÖKK in Region 3 of canton Zurich?
In Region 3, ÖKK is CHF 474.00 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 453.10 a month, Mutuel to CHF 492.60. The gap is CHF 474.00 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 427.80 a month. Moving there rather than to ÖKK is worth CHF 303.60 more a year. Agrisano
Where they stand in the region
Mutuel ranks 20 and ÖKK ranks 6, 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 569.50 | CHF 509.00 | + 60.50 |
| 500 | CHF 558.00 | CHF 497.40 | + 60.60 |
| 1'000 | CHF 529.00 | CHF 468.20 | + 60.80 |
| 1'500 | CHF 499.50 | CHF 439.00 | + 60.50 |
| 2'000 | CHF 470.50 | CHF 409.90 | + 60.60 |
| 2'500 | CHF 441.50 | CHF 380.70 | + 60.80 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Mutuel | ÖKK |
|---|---|---|
| Other model | CHF 492.60 | CHF 465.80 |
| HMO practice | CHF 501.10 | CHF 453.10 |
| Family doctor | CHF 518.20 | CHF 458.10 |
| Free choice of doctor | CHF 569.50 | CHF 509.00 |
How they moved in this region
Against 2025, Mutuel moves by + 3.6 % and ÖKK by + 6.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.