Go Back   English Forum Switzerland > Activities > Sports / Fitness / Beauty / Wellness  
Reply
 
Thread Tools Display Modes
  #1  
Old 19.12.2010, 09:56
krlock3's Avatar
Forum Legend
 
Join Date: Feb 2006
Location: Zrich
Posts: 3,089
Groaned at 47 Times in 34 Posts
Thanked 2,399 Times in 1,137 Posts
krlock3 has a reputation beyond reputekrlock3 has a reputation beyond reputekrlock3 has a reputation beyond reputekrlock3 has a reputation beyond reputekrlock3 has a reputation beyond reputekrlock3 has a reputation beyond repute
Off piste boarding / skiing : am i insured?

If I am skiing or boarding off piste and get injured and need rescuing, is this covered by my

a) accident insurance
b) health insurance
c) not covered because i am off piste

I do have rega insurance by the way.
Reply With Quote
  #2  
Old 19.12.2010, 10:21
fatmanfilms's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Verbier
Posts: 21,378
Groaned at 461 Times in 352 Posts
Thanked 23,091 Times in 11,824 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: Off piste boarding / skiing : am i insured?

Quote:
View Post
If I am skiing or boarding off piste and get injured and need rescuing, is this covered by my

a) accident insurance
b) health insurance
c) not covered because i am off piste

I do have rega insurance by the way.
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.
Reply With Quote
This user would like to thank fatmanfilms for this useful post:
  #3  
Old 19.12.2010, 10:38
Guest
 
Posts: n/a
Re: Off piste boarding / skiing : am i insured?

Good advice here. Problem is so many quickly reach the technical ability to go off piste, but do not have basic mountain knowledge, general and local, and do not understand how layers affect risk. You really need to check with your Insurance, as read the small print very carefully. REGA is an amazing organisation, but are becoming very wary of of piste boarders/skiers who do not study local conditions, do not seek local advice from experts re the season's history/layers. A young doctor from the REGA was killed last year by an avalanche. And in recent years many have been killed rescuing people who were taking just stupid risks in extreme avalanche warning areas.

Take care , enjoy.
Reply With Quote
This user would like to thank for this useful post:
  #4  
Old 19.12.2010, 11:19
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 31,901
Groaned at 2,389 Times in 1,737 Posts
Thanked 38,849 Times in 18,312 Posts
st2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond repute
Re: Off piste boarding / skiing : am i insured?

As far as I know, only REGA would be of use, at least as far as paying for the rescue.

Tom
Reply With Quote
  #5  
Old 19.12.2010, 11:30
Newbie
 
Join Date: Apr 2010
Location: UK
Posts: 3
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
Jaypeeee has no particular reputation at present
Re: Off piste boarding / skiing : am i insured?

Hi,

Picked up my Cham/Verbier season pass and desperate to get out on slopes.

As Ive been out of the UK for more than 6 months no UK company will insure me for unlimited days/off piste.

Most grateful for any advice on companies that will insure unlimited days/off piste for adventures in both Switzerland and France, I'm chomping at the bit to get out and play, but to do it properly and be covered. Arrrgghhh!
Reply With Quote
  #6  
Old 19.12.2010, 12:08
fatmanfilms's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Verbier
Posts: 21,378
Groaned at 461 Times in 352 Posts
Thanked 23,091 Times in 11,824 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: Off piste boarding / skiing : am i insured?

Quote:
View Post
Hi,

Picked up my Cham/Verbier season pass and desperate to get out on slopes.

As Ive been out of the UK for more than 6 months no UK company will insure me for unlimited days/off piste.

Most grateful for any advice on companies that will insure unlimited days/off piste for adventures in both Switzerland and France, I'm chomping at the bit to get out and play, but to do it properly and be covered. Arrrgghhh!
I have a Cham/Verbier pass, great Value!
Are you working in CH? if so you have compulsary accident insurance, as I said earlier I have annual Carte Neige it covers rescue, reptaruation, some medical & liability.
Reply With Quote
  #7  
Old 19.12.2010, 18:53
Eire's Avatar
Forum Legend
 
Join Date: Feb 2007
Location: Tir na ng
Posts: 3,626
Groaned at 54 Times in 35 Posts
Thanked 2,386 Times in 1,207 Posts
Eire has a reputation beyond reputeEire has a reputation beyond reputeEire has a reputation beyond reputeEire has a reputation beyond reputeEire has a reputation beyond reputeEire has a reputation beyond repute
Re: Off piste boarding / skiing : am i insured?

There are three things to consider, Rescue, Injury and Public Liability.

Rescue = Rega
Injury = Compulsory accident insurance if you live in Switzerland
Public Liability = Third Party Liability insurance (Haftpflicht in the German speaking part) NB your third party policy may not cover you if you are shown to be negligent. i.e if you release an avalanche and cause injury or damage to someone else when the risk is 3 or above and you were riding in an area specifically warned about in the avalanche bulletin.

As a matter of interest how many people who go off piste can read the regional avalanche bulletin? It's in the language of the region.
__________________
This message is a natural product. The variations in spelling and grammar enhance it's individual character.

Interested in skiing, Snowboarding or Mountain Biking in Switzerland? Information in English available
here.


Reply With Quote
The following 4 users would like to thank Eire for this useful post:
  #8  
Old 19.12.2010, 18:59
krlock3's Avatar
Forum Legend
 
Join Date: Feb 2006
Location: Zrich
Posts: 3,089
Groaned at 47 Times in 34 Posts
Thanked 2,399 Times in 1,137 Posts
krlock3 has a reputation beyond reputekrlock3 has a reputation beyond reputekrlock3 has a reputation beyond reputekrlock3 has a reputation beyond reputekrlock3 has a reputation beyond reputekrlock3 has a reputation beyond repute
Re: Off piste boarding / skiing : am i insured?

So is there a risk that if I am injured and require extensive medical treatment, that none of these three insurances will cover it?

by the way, i do take note of the avalanche level given at the resort.
Reply With Quote
  #9  
Old 19.12.2010, 19:14
Newbie
 
Join Date: Apr 2010
Location: UK
Posts: 3
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
Jaypeeee has no particular reputation at present
Re: Off piste boarding / skiing : am i insured?

Thanks for the replies, just to clarify:

Rescue = REGA - This is sufficient to get me rescued off the mountain, by helicopter OR sled, in any resort in Switzerland?

Injury - Compulsory accident insurance - I have this, will this really cover me for accidents in skiing on/off piste environment?


To be honest Im feeling uncomfortable that the above is enough. Do the swiss themselves rely on the aboe as sufficient cover?

And then what if you pop over to France for the day, as far as I understand Carte Niege is just a top up for the E111, to get you to a doctor in-resort.

I would prefer some specific cover, wonder if the likes of AXA do it, will find out tomorrow.
Reply With Quote
  #10  
Old 19.12.2010, 19:24
Eire's Avatar
Forum Legend
 
Join Date: Feb 2007
Location: Tir na ng
Posts: 3,626
Groaned at 54 Times in 35 Posts
Thanked 2,386 Times in 1,207 Posts
Eire has a reputation beyond reputeEire has a reputation beyond reputeEire has a reputation beyond reputeEire has a reputation beyond reputeEire has a reputation beyond reputeEire has a reputation beyond repute
Re: Off piste boarding / skiing : am i insured?

Quote:
View Post
Thanks for the replies, just to clarify:

Rescue = REGA - This is sufficient to get me rescued off the mountain, by helicopter OR sled, in any resort in Switzerland?

Injury - Compulsory accident insurance - I have this, will this really cover me for accidents in skiing on/off piste environment?


To be honest Im feeling uncomfortable that the above is enough. Do the swiss themselves rely on the aboe as sufficient cover?

And then what if you pop over to France for the day, as far as I understand Carte Niege is just a top up for the E111, to get you to a doctor in-resort.

I would prefer some specific cover, wonder if the likes of AXA do it, will find out tomorrow.
Check with the personal department where you work. They will be able to give you the definitive answer on what your accident insurance covers.

I don't know of any Swiss person with extra insurance to cover them riding off piste and nearly all of my Swiss friends do so. Some of them have injured themselves while off-piste and been covered when they went to the hospital. Fortunately none that I know of have required rescue but all of us have Rega cover too.

Incidentally, I have heard some people say that your accident insurance may also cover rescue. But even the people who say this still have Rega because at only 35CHF a year its a good cause to support.

Quote:
View Post
So is there a risk that if I am injured and require extensive medical treatment, that none of these three insurances will cover it?

by the way, i do take note of the avalanche level given at the resort.
The regional bulletin give more information then what is on the flashing board in the resort. It states specifically what to avoid and what altitude/exposure etc the risk is at. The regional bulletin may for example warn specifically of drift snow accumulations above 1800m on all north facing slopes. It will also give the wind direction, strength, temperature and amount of new fallen snow for the area so you can estimate how the risk might change during the day.
__________________
This message is a natural product. The variations in spelling and grammar enhance it's individual character.

Interested in skiing, Snowboarding or Mountain Biking in Switzerland? Information in English available
here.


Reply With Quote
This user would like to thank Eire for this useful post:
  #11  
Old 02.02.2020, 22:54
Forum Veteran
 
Join Date: May 2007
Location: Basel
Posts: 577
Groaned at 13 Times in 7 Posts
Thanked 256 Times in 157 Posts
SwissMorgs is considered knowledgeableSwissMorgs is considered knowledgeableSwissMorgs is considered knowledgeable
Re: Off piste boarding / skiing : am i insured?

Quote:
View Post
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.
Reply With Quote
  #12  
Old 03.02.2020, 09:51
fatmanfilms's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Verbier
Posts: 21,378
Groaned at 461 Times in 352 Posts
Thanked 23,091 Times in 11,824 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: Off piste boarding / skiing : am i insured?

Quote:
View Post
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.
Reply With Quote
  #13  
Old 03.02.2020, 10:30
aSwissInTheUS's Avatar
Forum Legend
 
Join Date: Nov 2007
Location: Zurich area
Posts: 12,783
Groaned at 99 Times in 88 Posts
Thanked 19,576 Times in 8,681 Posts
aSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond repute
Re: Off piste boarding / skiing : am i insured?

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
__________________
On Hiatus- Normal operation will resume 22.02.2022 22:02:20.22
Reply With Quote
  #14  
Old 03.02.2020, 20:53
fatmanfilms's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Verbier
Posts: 21,378
Groaned at 461 Times in 352 Posts
Thanked 23,091 Times in 11,824 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: Off piste boarding / skiing : am i insured?

Quote:
View Post
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.
Reply With Quote
Reply




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
Getting in shape for skiing / boarding OBone Sports / Fitness / Beauty / Wellness 14 03.12.2010 21:56
Skiing / boarding back protectors bigblue2 Other/general 30 01.12.2009 18:05
Skiing/Boarding Fri 16th January Eire Sports / Fitness / Beauty / Wellness 22 17.01.2009 21:46
Skiing/Boarding 09.01.2009 Eire Sports / Fitness / Beauty / Wellness 9 09.01.2009 09:42
This Weekend Or Next, Skiing Or Boarding! danm3 Social events 5 13.03.2008 22:39


All times are GMT +2. The time now is 00:48.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2021, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0