 Poster: A snowHead
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My genuine worry with mixing insurance providers is, very simply, that the claims management companies will look for _any_ excuse to not pay.
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My insurance policy with the BMC specifically states that it will not cover any claim where other insurance exists. As I read this it will not cover you where carte niege exists, such as for recovery from the hill or repatriation. I also assume that means use must use your EHIC (European Health Insurance Card) and they will not cover treatment in a private hospital. Actually I think the use of EHIC and its replacement GHIC is mentioned in many insurance policies.
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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| Origen wrote: |
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You are right but for countries like France with a GHIC you don’t need much cover unless you want private healthcare.
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But as soon as you are discharged from hospital, which after a typical orthopaedic ski injury will be quite quickly, life can become very expensive indeed......and complicated, especially if you have been injured and can't get yourself around. |
The repatriation costs would be still covered through AAC(unlimited cover) or Carre Neige. What other costs were you thinking of?
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Well, the person's real but it's just a made up name, see?
Well, the person's real but it's just a made up name, see?
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I suspect some people have not read the Carré Neige conditions. If you start by being helicoptered off a mountain after a difficult rescue you will already have eaten up a fair few euros of their overall maximum liability. It's a good thing to have, it costs next to nothing and it can save a lot of hassle. But it's not a panacea. Medical and related (e.g. medical transport) costs, for example, will not be reimbursed beyond your "sejour en station" which for most people will be the end of the week.
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You need to Login to know who's really who.
You need to Login to know who's really who.
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For most people with reasonable personal financial resources none of this is likely to be a big problem (except third party claims  ) but it's naive to think that these insurances will cover every dollar of your unexpected expenditure.
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Anyway, snowHeads is much more fun if you do.
Anyway, snowHeads is much more fun if you do.
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| Origen wrote: |
| For most people with reasonable personal financial resources none of this is likely to be a big problem (except third party claims ) but it's naive to think that these insurances will cover every dollar of your unexpected expenditure. |
I think you are right you are going to take on some stuff but for the big ones rescue, medical, repatriation and personal liability AAC+GHIC gives you good coverage for countries like France, Italy, Switzerland and Austria etc
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You'll need to Register first of course.
You'll need to Register first of course.
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But with limits. It's pretty important to read the small print. And generally, as with anything, you will pay more for more comprehensive cover.
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A few findings FYI:
AAC cover https://www.alpenverein.at/portal_wAssets/docs/service/versicherung/AWS-Folder_A4_EN_2023_blaetter_final.pdf:
1. Annual membership covers the first 8 weeks of any trip.
2. Membership is per calendar year, so you would need 2024 and 2025 membership to cover the 2024/2025 (northern hemisphere!) season.
3. Single trip cover over 8 weeks is only available if you have paid had valid membership for at least two consecutive years.
4. Single trip cover is only available if you have 'a main residence in Europe'.
5. Membership fee 76 Euros 2024
6. No specific reference to off-piste skiing with or without a guide. I presume that both are covered.
MPI sadly don't appear to be offering ski cover this year https://bolt.mpibrokers.com/ and refer you to other insurers.
SCGB https://www.skiclub.co.uk/membership/platinum-membership/
1. Family Platinum 35-69 Membership (2024/2025) with European cover is £450.30.
2. Provides up to 31 days winter sports cover per trip, with a total of 60 days per year on snow.
3. Covers on & off-piste skiing & snowboarding without a guide.
4. 5 month extension available from Marsh Commercial for £298.44 per couple.
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Never mind sadly, MPI don't deserve to have any insurance business again the way Michael Pettifer has behaved this year with his customers.
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You'll get to see more forums and be part of the best ski club on the net.
You'll get to see more forums and be part of the best ski club on the net.
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| Mike S wrote: |
A few findings FYI:
AAC cover https://www.alpenverein.at/portal_wAssets/docs/service/versicherung/AWS-Folder_A4_EN_2023_blaetter_final.pdf:
1. Annual membership covers the first 8 weeks of any trip.
2. Membership is per calendar year, so you would need 2024 and 2025 membership to cover the 2024/2025 (northern hemisphere!) season.
3. Single trip cover over 8 weeks is only available if you have paid had valid membership for at least two consecutive years.
4. Single trip cover is only available if you have 'a main residence in Europe'.
5. Membership fee 76 Euros 2024
6. No specific reference to off-piste skiing with or without a guide. I presume that both are covered.
MPI sadly don't appear to be offering ski cover this year https://bolt.mpibrokers.com/ and refer you to other insurers.
SCGB https://www.skiclub.co.uk/membership/platinum-membership/
1. Family Platinum 35-69 Membership (2024/2025) with European cover is £450.30.
2. Provides up to 31 days winter sports cover per trip, with a total of 60 days per year on snow.
3. Covers on & off-piste skiing & snowboarding without a guide.
4. 5 month extension available from Marsh Commercial for £298.44 per couple. |
If you buy next years membership from September onwards you get the current year free. E.g you buy 2025 now you get the rest of 2024. UK is Europe for the premium single trip and you only need to two consecutive years membership for cover over 6000m.
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@MAthert Thank you for the correction. I hadn't realised that they had introduced the September promotion and had misread the conditions for single trip cover.
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snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
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In the Tarantaise, don't most leg injuries still get taken to the hospital in Aix les Bains?
No idea if it is private or not.
A friend crashed on the 2015 Etape du Tour (staying in Les Gets) and he ended up in Thonon les Bains for 10 days with 8 broken ribs and a punctured lung. Then repatriated by road abulance to the UK, all covered by his Nationwide insurance. Again, no idea of the status of the hospital.
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FAQ
