The most important insurance companies for winter athletes: This is how they remain protected!

The most important insurance companies for winter athletes: This is how they remain protected!

Österreich - skiing, cross -country skiing and tobogganing - for many winter athletes the slope is a place of pleasure, but unfortunately the fun often ends in emergency room. Every year, numerous skiers and snowboarders have to go to the hospital after an accident, which raises the question: How do you protect yourself financially from the consequences of such accidents? Gabi Kreindl, insurance expert at the Association for Consumer Information (VKI), provides information about which insurance companies make sense and which can be confidently ignored. According to Kreindl, private liability insurance is a basic requirement for every athlete, since it covers financial risks in the event of self -inflicted accident. The sum insured should be at least 1.5 million euros to be on the safe side, such as The crown reported .

Another important point is private accident insurance that can cover damage like permanent disability. Kreindl emphasizes that this insurance should also apply to the entire family. The transport of injuries with the helicopter, which is often not taken over by statutory health insurance, is particularly worrying. Special insurance is recommended for this, which can be provided either by private accident insurance, credit card insurance or membership at an alpine club. For travelers who book expensive package tours, travel corners can be useful - especially if short -term changes occur due to an illness in the family. Last but not least, the VKI warns against taking out a special ski insurance, since the theft of ski equipment is generally not threatening to exist, such as ots.at explained .

important tips for winter sports enthusiasts

In general, the VKI recommends only taking out insurance that is relevant for existential risks. Too many insurance companies can quickly become a financial burden. For individually tailored security solutions, the VKI also offers a Risko-Check . This can be a valuable decision -making aid when choosing the right insurance in order to be optimally secured for the upcoming winter sports adventures.