Should you pay for insurance in addition to your ski pass?

By purchasing your package, you will automatically be offered insurance. What exactly does she cover? Should I buy it? And, by the way, are not you already covered by other insurance? Point.

For 15 euros or 20 euros more per skier for the week, the ski pass distributors propose to include a ski insurance. Admittedly, the sum does not seem exorbitant. But if you are already properly insured elsewhere, paying again is useless. Indeed, only one insurance is enough if it is perfectly adapted to your needs.

What coverage does the package offer?

The ski insurance included in the lift passes is a contract designed to cover the risks of this sport. In this case, accidents and ski falls . The contract provides, in general, support for runway relief, medical expenses and hospitalization.

Then, if the rest of the stay is compromised, the ski insurance also covers the expenses of cancellation of the seasonal hiring and the refunding of the ski passes or the ski lessons not used.



Accident, injury: the role of health insurance

Before mentioning medical care, it should be remembered that any social insured person is already covered by his health insurance fund and his complementary health insurance company when he has one. A priori, the costs of care, medical transport, hospitalization are already insured. You do not need a specific contract.

In addition, if you have a life accident insurance or an individual accident insurance, you will receive additional support. It intervenes notably during convalescence and in more disabling situations, such as temporary incapacity or even disability.


Good to know

Read everything, even your GAV contract or individual accident insurance to be certain of the support. An insurance contract can sometimes contain subtleties. In fact, skiing can be part of what insurers call "dangerous sports". In this case, part of the accident costs may be left to the skier's charge.


The question of mountain rescue

The question of mountain rescue arises only for the "break-neck" skier, who practices the off-piste, at the risk of getting lost or caught in a snowfall. If this is your case, take the following advice: buy ski insurance, but rather from an insurer specializing in "extreme" sports. Because the ski insurance package can only be implemented on the marked and secured ski slopes of the ski area .

Outside the ski area, only gendarmes or firefighters intervene. In principle, mountain rescue is free. But, because of the unconsciousness of some skiers in risk taking, municipalities have the right to ask the skier a financial participation, depending on the situation.