Go Back   English Forum Switzerland > Help & tips > Insurance
Reply
 
Thread Tools Display Modes
  #21  
Old 02.02.2014, 20:01
fatmanfilms's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Verbier
Posts: 13,744
Groaned at 209 Times in 181 Posts
Thanked 11,052 Times in 6,271 Posts
fatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond repute
Re: Mountain rescue insurance coverage

Quote:
View Post
If there is a huge risk of avalance, and you've decided to ignore this- and get into trouble- if there is a very high risk of loss of life for REGA staff- they will not come out. Rare and extreme circumstances- but they have lost a doctor who is a father of young children in such circumstances- and others too- and enough is enough. Most of the staff are off-piste skiers, and dedicated to rescue, but if people really are totally stupid and take totally stupid risk- then why should REGA staff die for them
If your caught in an avalanche, you need to be rescued by people your with, by the time rescuers get to the scene you will in all likelihood be dead, so it's a moot point. Once the avalanche has triggered the risk to rescuers from an avalanche covering the same debris is going to be small.........

If the weather is bad they won't even attempt a rescue as helicopters can't fly, even with a broken leg after a fall you could wait 3 days, so always be equipped if straying far from the piste.
Reply With Quote
  #22  
Old 02.02.2014, 20:12
Newbie 1st class
 
Join Date: Sep 2013
Location: Zurich
Posts: 21
Groaned at 0 Times in 0 Posts
Thanked 5 Times in 4 Posts
LeshkaMTL has no particular reputation at present
Re: Mountain rescue insurance coverage

In my case I know that I am covered with SUVA under my employer. So what does REGA cover that SUVA does not?
Reply With Quote
  #23  
Old 02.02.2014, 20:15
fatmanfilms's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Verbier
Posts: 13,744
Groaned at 209 Times in 181 Posts
Thanked 11,052 Times in 6,271 Posts
fatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond repute
Re: Mountain rescue insurance coverage

Quote:
View Post
In my case I know that I am covered with SUVA under my employer. So what does REGA cover that SUVA does not?
If you have a heart attack or medical emergency SUVA won't pay as it's not an accident. For an accident you may need to pay for the helicopter by credit card & reclaim later from SUVA later, if you have a REGA card they will not charge.
Reply With Quote
  #24  
Old 02.02.2014, 20:19
Island Monkey's Avatar
Forum Legend
 
Join Date: Mar 2008
Location: Wallis
Posts: 3,381
Groaned at 62 Times in 32 Posts
Thanked 2,965 Times in 1,469 Posts
Island Monkey has a reputation beyond reputeIsland Monkey has a reputation beyond reputeIsland Monkey has a reputation beyond reputeIsland Monkey has a reputation beyond reputeIsland Monkey has a reputation beyond repute
Re: Mountain rescue insurance coverage

Quote:
View Post
If you have a heart attack or medical emergency SUVA won't pay as it's not an accident. For an accident you may need to pay for the helicopter by credit card & reclaim later from SUVA later, if you have a REGA card they will not charge.
True! If you need a heli or ambulance for non-accident reasons, basic insurance will only pay 50% up to a max of 500chf… that isn't going to cover the heli getting off the ground!
Reply With Quote
  #25  
Old 02.02.2014, 20:23
fatmanfilms's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Verbier
Posts: 13,744
Groaned at 209 Times in 181 Posts
Thanked 11,052 Times in 6,271 Posts
fatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond repute
Re: Mountain rescue insurance coverage

Quote:
View Post
True! If you need a heli or ambulance for non-accident reasons, basic insurance will only pay 50% up to a max of 500chf… that isn't going to cover the heli getting off the ground!
60 CHF a minute from leaving the heliport to returning to the Heliport IIRC & that was 10 years ago. if your in a difficult place to get to it can get expensive.

FWIW half the deaths in the mountains are from natural causes, not risk taking.
Reply With Quote
  #26  
Old 02.02.2014, 20:41
Island Monkey's Avatar
Forum Legend
 
Join Date: Mar 2008
Location: Wallis
Posts: 3,381
Groaned at 62 Times in 32 Posts
Thanked 2,965 Times in 1,469 Posts
Island Monkey has a reputation beyond reputeIsland Monkey has a reputation beyond reputeIsland Monkey has a reputation beyond reputeIsland Monkey has a reputation beyond reputeIsland Monkey has a reputation beyond repute
Re: Mountain rescue insurance coverage

Quote:
View Post
60 CHF a minute from leaving the heliport to returning to the Heliport IIRC & that was 10 years ago. if your in a difficult place to get to it can get expensive.

FWIW half the deaths in the mountains are from natural causes, not risk taking.
89chf a min now
Reply With Quote
This user would like to thank Island Monkey for this useful post:
  #27  
Old 08.03.2014, 11:46
Newbie 1st class
 
Join Date: Jun 2013
Location: Zug
Posts: 13
Groaned at 0 Times in 0 Posts
Thanked 1 Time in 1 Post
julesacer has no particular reputation at present
Re: Mountain rescue insurance coverage

Accident insurance is covered by the the work place.

Another idea is to become a member of a club like the Austrian Alpine Club - one of the main benefits of membership with no extra charge is - Mountain Rescue Insurance; worldwide, without age limit and inclusive of repatriation.
Reply With Quote
  #28  
Old 08.03.2014, 11:55
Forum Veteran
 
Join Date: Aug 2009
Location: Bern
Posts: 1,421
Groaned at 51 Times in 39 Posts
Thanked 1,742 Times in 719 Posts
simplon has a reputation beyond reputesimplon has a reputation beyond reputesimplon has a reputation beyond reputesimplon has a reputation beyond reputesimplon has a reputation beyond repute
Re: Mountain rescue insurance coverage

Quote:
View Post
Accident insurance is covered by the the work place.

Another idea is to become a member of a club like the Austrian Alpine Club - one of the main benefits of membership with no extra charge is - Mountain Rescue Insurance; worldwide, without age limit and inclusive of repatriation.
If you just hike in the mountains and have a accident that's covered by the normal accident insurance (work insurance covers non work accidents as well if you work over a certain amount of hours.) That's indicated on you pay slip with NBU. As for a worldwide transport most Swiss join REGA, costs about CHF 30.00 a year for a single person.
Reply With Quote
  #29  
Old 08.03.2014, 18:18
Ace1's Avatar
A singular modality
 
Join Date: Sep 2011
Location: Engelberg & near Basel
Posts: 5,857
Groaned at 167 Times in 120 Posts
Thanked 8,898 Times in 3,982 Posts
Ace1 has a reputation beyond reputeAce1 has a reputation beyond reputeAce1 has a reputation beyond reputeAce1 has a reputation beyond reputeAce1 has a reputation beyond reputeAce1 has a reputation beyond repute
Re: Mountain rescue insurance coverage

Quote:
View Post

If the weather is bad they won't even attempt a rescue as helicopters can't fly, even with a broken leg after a fall you could wait 3 days,
Depends on the site and severity of the break. A total break of the femur could lead to death from internal bleeding in a matter of hours. Unlikely, but worth knowing in such situations.
Reply With Quote
  #30  
Old 08.03.2014, 18:37
fatmanfilms's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Verbier
Posts: 13,744
Groaned at 209 Times in 181 Posts
Thanked 11,052 Times in 6,271 Posts
fatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond repute
Re: Mountain rescue insurance coverage

Quote:
View Post
Depends on the site and severity of the break. A total break of the femur could lead to death from internal bleeding in a matter of hours. Unlikely, but worth knowing in such situations.
They are hardly going to send a chopper & risk the lives of those on board. I know a mountain guide who waited 3 days for a rescue.
Reply With Quote
  #31  
Old 03.03.2015, 16:15
Member
 
Join Date: Sep 2011
Location: Schaffhausen
Posts: 219
Groaned at 6 Times in 6 Posts
Thanked 148 Times in 78 Posts
jwlhall has earned the respect of manyjwlhall has earned the respect of manyjwlhall has earned the respect of many
Re: Mountain rescue insurance coverage

A question on Rega. Is it worth keeping up cover after leaving Switzerland? I understand that if no longer living there cover is only for actually when in Switzerland. So just useful if coming back for mountain activities there, right?
Reply With Quote
  #32  
Old 16.10.2015, 16:07
Member
 
Join Date: Feb 2007
Location: zURICH
Posts: 195
Groaned at 6 Times in 6 Posts
Thanked 6 Times in 5 Posts
Jo Flower is considered a nuisanceJo Flower is considered a nuisanceJo Flower is considered a nuisance
Re: Mountain rescue insurance coverage

A friend of mine (Swiss resident with private Sanitas insurance with accident insurance) got stuck on top of a steep hiking slope during the August heat wave. He got huge exposure of sun and dehydration and was losing balance. As the slop was very steep and any fall would definitely cause death, he called for rescue. Two rescue men came, attached him with a rope and slowly walked him down. They gave him tons of water with sugar and took him to his house to bed as he was feeling like he is going to faint. They did not tell him that he will get a bill for the rescue or that he needs to go to see a doctor to get costs of rescue covered by his insurance. He has full private insurance with Sanitas including accident insurance. Now Rega sent him a bill for CHF1000 and they will not give a copy of the rescue report or details of what he is being charge for. The walk up the mountain was only 30 minutes and he told rescue workers many times that he was losing balance due to heat sun excessive expose and that he can faint at any time. They wrote on the report that it was Preventive and now he is told by Rega that his insurance will not pay because he was not injured. Lots of people die during the august heat wave due to heart attacks, failings. Walking down a very steep slope when one feels like one id going to faint due to heat exposure and dehydration is a medical condition. If only rescue workers told him he would have asked them to take him to the doctor. But because his chalet was very close to the hike, they took him strength home because one of the rescue workers knew where my firmed lives. Also my firmed does not speaks very little French …

Rega has been VERY uncooperative and does not even want to give a copy of the actual rescuer report to my friend. Is there a Swiss governing body for Rega where my friend can appeal as he believes that both the rescue report is incorrect as there was an illness and also the bill has been inflated?
Any suggestions how to handle or reduce the CHF1000 bill for 30 minutes’ walk down the mountain?? Or how to get it reimbursed by insurance?


can he still go to his doctor and have doctor write a note that there was a heat wave and my friend does not take sun and heat well so that insurance pays forit? Resuce workers should confirm this as my friend told them 20 times that he was suffering from heat exposure and that he was going to faint and that he had no balance as his head was spinning... he was sitting in direct sun for hours when he got lost on this steep red trail...


also he did call Rega and asked them to contact the rescue workers to add the information about sun expposure and dehydration but Rega ignored his request and they just sent him a very nasty email telling him to pay CHF1K
Reply With Quote
This user groans at Jo Flower for this post:
  #33  
Old 16.10.2015, 16:14
fatmanfilms's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Verbier
Posts: 13,744
Groaned at 209 Times in 181 Posts
Thanked 11,052 Times in 6,271 Posts
fatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond repute
Re: Mountain rescue insurance coverage

Quote:
View Post
A friend of mine (Swiss resident with private Sanitas insurance with accident insurance) got stuck on top of a steep hiking slope during the August heat wave. He got huge exposure of sun and dehydration and was losing balance. As the slop was very steep and any fall would definitely cause death, he called for rescue. Two rescue men came, attached him with a rope and slowly walked him down. They gave him tons of water with sugar and took him to his house to bed as he was feeling like he is going to faint. They did not tell him that he will get a bill for the rescue or that he needs to go to see a doctor to get costs of rescue covered by his insurance. He has full private insurance with Sanitas including accident insurance. Now Rega sent him a bill for CHF1000 and they will not give a copy of the rescue report or details of what he is being charge for. The walk up the mountain was only 30 minutes and he told rescue workers many times that he was losing balance due to heat sun excessive expose and that he can faint at any time. They wrote on the report that it was Preventive and now he is told by Rega that his insurance will not pay because he was not injured. Lots of people die during the august heat wave due to heart attacks, failings. Walking down a very steep slope when one feels like one id going to faint due to heat exposure and dehydration is a medical condition. If only rescue workers told him he would have asked them to take him to the doctor. But because his chalet was very close to the hike, they took him strength home because one of the rescue workers knew where my firmed lives. Also my firmed does not speaks very little French …

Rega has been VERY uncooperative and does not even want to give a copy of the actual rescuer report to my friend. Is there a Swiss governing body for Rega where my friend can appeal as he believes that both the rescue report is incorrect as there was an illness and also the bill has been inflated?
Any suggestions how to handle or reduce the CHF1000 bill for 30 minutes’ walk down the mountain?? Or how to get it reimbursed by insurance?
This was illness rather than accident, which is why it's not covered. Have a heart attack when skiing on a glacier & you will also get a bill.

It's Accident rescue insurance, not all risk rescue.
Reply With Quote
The following 2 users would like to thank fatmanfilms for this useful post:
  #34  
Old 16.10.2015, 16:50
Medea Fleecestealer's Avatar
Forum Legend
 
Join Date: Jul 2011
Location: Misery-Courtion
Posts: 13,509
Groaned at 169 Times in 134 Posts
Thanked 9,641 Times in 5,507 Posts
Medea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond repute
Re: Mountain rescue insurance coverage

Also preventable in that he should have been carrying a bottle of water with him, which from the sounds of your report he wasn't.
Reply With Quote
The following 2 users would like to thank Medea Fleecestealer for this useful post:
  #35  
Old 16.10.2015, 17:27
Forum Veteran
 
Join Date: Dec 2012
Location: Aargau
Posts: 1,560
Groaned at 12 Times in 11 Posts
Thanked 1,810 Times in 881 Posts
Mullhollander has a reputation beyond reputeMullhollander has a reputation beyond reputeMullhollander has a reputation beyond reputeMullhollander has a reputation beyond repute
Re: Mountain rescue insurance coverage

Going forward, your friend might want to become a Rega patron/ member, which costs CHF 30 for an individual per year. Details are here:

http://www.rega.ch/en/support-rega.aspx

Also, your friend should be thankful that he didn't need an air ambulance in the USA. An article how one person was billed $47,182 for a trip:

http://www.nytimes.com/2015/05/06/bu...bill.html?_r=0
Reply With Quote
This user would like to thank Mullhollander for this useful post:
  #36  
Old 16.10.2015, 18:03
Senior Member
 
Join Date: Jun 2009
Location: Zurich
Posts: 319
Groaned at 12 Times in 11 Posts
Thanked 145 Times in 83 Posts
poot is considered knowledgeablepoot is considered knowledgeablepoot is considered knowledgeable
Re: Mountain rescue insurance coverage

It sounds like those rescuers potentially saved his life!

He should pay the 1,000chf and be more than thankful that he's here to tell the tale, and that such good and efficient rescue services exist.
Reply With Quote
The following 4 users would like to thank poot for this useful post:
  #37  
Old 16.10.2015, 18:31
Forum Veteran
 
Join Date: Sep 2012
Location: ZH
Posts: 717
Groaned at 5 Times in 5 Posts
Thanked 648 Times in 338 Posts
daffy99 has an excellent reputationdaffy99 has an excellent reputationdaffy99 has an excellent reputationdaffy99 has an excellent reputation
Re: Mountain rescue insurance coverage

Quote:
View Post
that he can faint at any time. They wrote on the report that it was Preventive
Well, from your description it sounds as if
- REGA was right
- your friend does not want to bear the consequences of his ... actions

You know - mountains are a wonderful entertainment and amusement park, but quite dangerous territory at the same time.

Recommendation for the future:
- be well-prepared when entering the mountains
- stock up on water whenever you find some on or near the hike
- wear a hat (or wrap clothing around your head)
- swallow pride, get down on all fours, and crawl down
Reply With Quote
  #38  
Old 16.10.2015, 18:37
Forum Veteran
 
Join Date: Mar 2008
Location: ZH
Posts: 1,466
Groaned at 7 Times in 7 Posts
Thanked 2,227 Times in 823 Posts
doropfiz has a reputation beyond reputedoropfiz has a reputation beyond reputedoropfiz has a reputation beyond reputedoropfiz has a reputation beyond reputedoropfiz has a reputation beyond reputedoropfiz has a reputation beyond repute
Re: Mountain rescue insurance coverage

Here https://magazin.family-net.ch/meine-...nnerschaft-124
is an excellent explanation (in German) of what Rega is, and what Rega is NOT.

Rega is a non-profit foundation and is not an insurance company.
The annual fee is a donation to the foundation, and not an insurance premium.

Being a donor is, in the first place, making a financial contribution to the collective good of supporting a charitable service providing life-saving services which, if they were to be charged fully to individuals, would – at least for most people – be financially crippling.
Being a donor does not entitle one to anything, not even to being supplied with any of the services Rega provides.

When called on to provide help, the Rega staff decides, on a case-by-case basis, whether or not they can manage to go out and provide the help. They have to set priorities and they allocate their helicopters and staff by weighing up many other factors, including the weather, how many other calls they’ve received at the time and which intervention seems to be the most urgent or the most likely to save the most lives. If all the Rega staff and all their vehicles are out on duty, they will call on other organisations for assistance in providing the rescue.

Why become a donor?
To contribute to the collective good, to keep the costs low for any poor soul who needs that helicopter and emergency medical help.
And to benefit from significantly reduced (or in some cases even completely waived) costs, were one ever to be that poor soul who needs that help.

Reply With Quote
The following 5 users would like to thank doropfiz for this useful post:
Reply

Tags
evacuation, helicopter rescue, insurance, mountain rescue, rega




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Confused about coverage in rest of Europe on Swiss Health Insurance Wingnut Insurance 8 15.12.2008 09:20
Taking Swiss Insurance coverage back to US? Kevster Insurance 3 22.09.2007 23:12
basic health insurance coverage Riomurr Insurance 5 08.07.2007 19:08
Supplementary insurance - international coverage? brownie.531 Insurance 14 26.06.2007 08:22
Insurance coverage prior to arranging one caracola Insurance 1 17.03.2007 20:47


All times are GMT +2. The time now is 16:14.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2016, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0