Insurance protection for winter sports: This is how you are covered with accidents!

Insurance protection for winter sports: This is how you are covered with accidents!

Laimgrubengasse 10, 1060 Wien, Österreich - Winter sports season is increasing more and more adventurers, but the fun also comes with considerable risks. Numerous skiing on the hospital ends every year - private accident insurance is therefore essential. Gabi Kreindl, insurance expert of the Association for Consumer Information (VKI), emphasizes the importance of this protection: "Private accident insurance offers protection worldwide and secures financial consequences after a skiing accident." This applies in particular to serious injuries where rescue costs are incurred, for example. Especially in the high season, the rescue helicopter could be used more often, which can cause additional costs that are not always borne by statutory health insurance. vki.at .

need for action in the event of liability and travel insurance

Another central point is private liability insurance. This protects against high financial consequences if third parties are damaged by their own mistake. "A collision on the slopes can have devastating consequences," said Kreindl. Therefore, the sum insured should be at least 1.5 million euros. It is also important to be a travel insurance, which is particularly important for families if unexpected diseases occur and the vacation has to be canceled. The possibility of foregoing at the expense that arises from a sudden cancellation should not be underestimated. As the ADAC explains in detail, many insurance companies are useful to be on the safe side at winter sports.

The concept of special ski device insurance is considered less important. "The theft of ski equipment is annoying, but not at risk of existence," said Kreindl. Such insurance could still make sense for high -quality winter sports devices. It is also advisable to be clear about the applicable regulations, especially in Italy, where liability insurance is mandatory. Claims and advice after an accident are essential for the psychological and physical recovery of injured winter athletes, so a comprehensive insurance is obvious in this sense.