Off piste boarding / skiing : am i insured? - Page 2

Island Monkey · #21 21.01.2020, 12:45

Normal Swiss accident insurance will cover you for skiing off-piste. I’m a ski instructor and we have no extra/special insurance for our rescue and medical treatment.

Also REGA isn’t insurance. It’s a membership, they will waive the rescue costs if your other insurance for some reason won’t cover the whole cost. It is not instead of insurance and it certainly won’t cover medical treatment.

SwissMorgs · #22 02.02.2020, 22:54

	Quote:	fatmanfilms
	If the insurance was based in the UK you would need to read the policy, almost certanly excluded. I ski off piste 50 days a year, I have the French Carte Neige that does cover off piste. Pretty sure that normal Swiss accident insurance would cover as well. However if the avalanvhe risk was 5/5 I think you would have a problem. FWIW when it's 3/5 the majority of people die! approx 65% in France nearer 80% in Switzerland. Due to low snow fall & very low temperatures the snow pack will remain very dangerous for the entire season, the base has 'goblet' Ice crystals, so expect many avalanches down to ground level. The risk is lower on slopes below 30 degrees.

Based on your recommendation, can you tell me which level of Carte Neige card I require for off-piste/backcountry skiing.

I'm trying to buy the card online through this link https://www2.ffs.fr/carteneige/online and not sure which one ... I'm thinking the Medium coverage.

Using the link https://carreneige.com/ seems to only offer the possibility to buy in certain resorts and Chamonix (where I'm heading) is not listed.

fatmanfilms · #23 03.02.2020, 09:51

	Quote:	SwissMorgs
	Based on your recommendation, can you tell me which level of Carte Neige card I require for off-piste/backcountry skiing. I'm trying to buy the card online through this link https://www2.ffs.fr/carteneige/online and not sure which one ... I'm thinking the Medium coverage. Using the link https://carreneige.com/ seems to only offer the possibility to buy in certain resorts and Chamonix (where I'm heading) is not listed.

That level of carteneige is good.

Chamonix now sells assurasport insurance with lift passes, the offer an annual solution for €49.99 which has paid out €2860 in helicopter plus about the same in other expenses 2 years ago when I broke my back.

aSwissInTheUS · #24 03.02.2020, 10:30

Off piste sking might be fully or only partially covered. AFAIK the pure treatment is always covered, what can be reduced are the monetary payments in case of disability, loss of work days, widow pension, etc.

Standard off piste where you follow the established rules and you to not go beyond your capabilities should be o.k.

An avalanche risk of level 3 (considerable/erheblich) might be considered as an uncontrollable risk/gamble (Wagnis) which can lead to reduced monetary payments in case you get hurt in an avalanche.

Information from SUV, BfU, SVV (Unfortunately only in German/French/Italian):
https://www.suva.ch/de-ch/news/schne...wie-versichert
https://www.bfu.ch/de/rechtsfragen/w...einer-sportart
https://www.bfu.ch/de/ratgeber/freeriden
https://www.svv.ch/de/skitouren-im-h...fallversichert

fatmanfilms · #25 03.02.2020, 20:53

	Quote:	aSwissInTheUS
	Off piste sking might be fully or only partially covered. AFAIK the pure treatment is always covered, what can be reduced are the monetary payments in case of disability, loss of work days, widow pension, etc. Standard off piste where you follow the established rules and you to not go beyond your capabilities should be o.k. An avalanche risk of level 3 (considerable/erheblich) might be considered as an uncontrollable risk/gamble (Wagnis) which can lead to reduced monetary payments in case you get hurt in an avalanche. Information from SUV, BfU, SVV (Unfortunately only in German/French/Italian): https://www.suva.ch/de-ch/news/schne...wie-versichert https://www.bfu.ch/de/rechtsfragen/w...einer-sportart https://www.bfu.ch/de/ratgeber/freeriden https://www.svv.ch/de/skitouren-im-h...fallversichert

3 is usually the default level, most of the time. I would be surprised if they got excited below 4 on a gradient below 30 degrees as it's 4 when some lifts will close & mountain passes can also shut.