Insurance in Winter Sports

Here comes the time of the winter holidays. Each year 8 million French go on winter sports. But be careful! The pleasure of winter sports sometimes pays dearly: about 150,000 vacationers have every winter a gliding accident. Before putting on skis, it is useful to take stock of its insurance.

The coverage provided by the 'classic' insurance contracts

You have no doubt already, may be unknowingly several insurance that can cover you for costs incurred. Insurance which can guarantee the risks associated with winter sports are in fact numerous: health, multi-risk, guarantee of the accidents of life, contract of assistance. It is important to make a point on its contracts before leaving and to subscribe a specific if necessary.

In case of accident, it is imperative to prevent the assistance company before incurring any expenses. The insured also has 5 days to declare his accident with its insurer by registered letter.

Support for medical expenses

If you go on vacation in Europe, in a State of the Union European/European economic area (EU/EEA) or Switzerland, don't forget to ask your sickness insurance fund insurance (EHIC) European card. This card, valid for one year, is personal and individual: each Member of your family should have its own. No document is to be provided at your request. You will benefit from support for your medical care according to the legislation and procedures in force in the country of stay: you do not have to do the advance of medical expenses; either you must advance and you pay on the spot by the institution for social security of your place of stay. The rest of the coverage will be in supported by your supplementary health insurance: check with its mutual, the level of reimbursement of these costs.

Insurance 'more'

Your credit card may also include a specific guarantee for stays to snow and the mountain: ski stolen or damaged, costs of research or rescue, or package equipment hire and ski lessons. Attention must be paid to its contract, because all the cards do not offer the same covers: more map is high-end, most offering guarantee. If you are holding multiple cards, insurance depends on the card used to make the payment. Insurance card covers in general the card holder, his spouse but also children and small children less than 25 years. It is your bank which will provide even better information on insurance linked to your card.

Apart from these specific insurance covers are often proposed, i.e sports winter or when you book your trip: interruption of stay, ski breaks, or even lack of snow during winter. The average cost is $ 3 per person and per day.

Finally, it must not forget that these various insurances are cumulative so that if one of them is capped you can use a second insurance to complement: the housing guarantee may thus be completed by credit card insurance. In all cases, it is necessary to pay attention to deductibles and reimbursement ceilings provided for in the contract.