Ski insurance is crucial for ski enthusiasts to obviate the financial risks associated with this adventurous sporting activity. Insurance companies offer single or multi-trip skiing insurance policies, with a policy cover period spanning from a few days to several years. For holiday trips, insurance companies allow family or group ski insurance that provides combined benefits.
Ski Insurance: Policy Cover
The standard ski insurance policy covers:
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Accidental benefits: Ski insurance offers personal injury benefits to the policyholder caused by an accident. It includes accidental death, partial impairment or permanent disablement. Injury caused by negligent behavior or irresponsible attitude are not covered under the policy.
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Travel cover: Ski travel cover pays for financial loss incurred due to delayed departure, trip cancellation or curtailment and baggage loss.
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Emergency medical treatment: The adventure and risk factors associated with skiing call for emergency cover. Medical expenses for emergency treatment due to unforeseen bodily injury or severe illness are covered under this ski insurance policy. Emergency medical treatment also includes ambulance costs, rescue services and nursing. An individual should purchase ski insurance with considerable emergency cover.
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Hospital benefits: Medical expenses such as diagnosis, physiotherapy, medications, nursing and room bills are covered under hospital benefits. Insurance companies reimburse the hospital bills once a claim is filed.
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Personal liability: Skiing may cause bodily injury or damage to a third-party, which is included in the personal liability cover. It also pays for indemnity claims or liabilities incurred during a skiing activity.
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Ski equipments: Skiing equipment, such as skis (including bindings), ski boots, snowboard boots, ski poles and snowboards, are covered under the policy for loss or damage.
Ski insurance: Principle Exclusions
The principal exclusions to the ski insurance policy are:
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People aged above 65 are not insured under ski insurance
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Damage due to war risk, terrorism, radioactive contamination are not covered
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Unlawful actions inflicting damage or injury to at third-party are not covered
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Wear and tear charges are excluded from the policy cover
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Skiing in areas that are proclaimed as danger zones is not considered under an insured event
For claim reimbursement, an individual is required to pay an excess amount as mentioned in the skiing insurance policy. Consider the excluded activities carefully before buying skiing insurance.