Skiing and Medical Insurance: What Every Adventurous Spirit Should Know
7th August 2024
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Winter holidays are coming and for some of us, this may mean skiing or snowboarding. But before enjoying the mountain views and going down the slopes, it is important to know whether accidents or injuries are covered by your health insurance plan.
In general, high-risk activities and extreme sports are excluded from standard medical insurance plans and you may need to purchase sport-specific insurance.
Are skiing-related injuries covered by all insurers? We at Alea have reviewed your options. Word of caution: Wear a helmet and keep your insurance card in your snow jacket!
Sports-specific insurance conditions & exclusions
| Insurance Providers | Sports-specific Conditions & Exclusions |
|---|---|
| April | Costs and consequences of dangerous sports when practiced off-piste, such as skiing, cross-country skiing and snowboarding, are excluded. |
| Assur Travel | High mountain ascents and off-piste mountain sports are not covered by this insurance. |
| AXA | Off-piste skiing, or any other winter sports activity practiced off-piste without an instructor with the appropriate qualifications is not covered. |
| Cigna | Professional sports or hazardous activities such as winter sports are excluded by this insurer. |
| MSH | This insurer does not cover the practice of certain mountain sports such as skiing off marked slopes open to the public. However, any practice of these sports, even as an initiation, is covered if supervised by a professional. |
| Now Health | Evacuation costs do not include mountain rescue costs, unless rescue is undertaken at recognized ski resorts. Risky sports and activities, such as off-piste skiing, are not covered. |
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This article was independently written by Alea and is not sponsored. It is informative only and not intended to be a substitute for professional advice and should never be relied upon for specific advice.
