Policy for the extremal

The number of insurance claims with the skiers and snowboarders on the steep slopes is impressive: one in ten manages to get injured while on vacation. The price of the policy for those who like driving fast, traveling for a week in the mountains, less than one thousand rubles. Saving it is not: are not insured against injury, even experienced athletes
The cost of the policy to the basic insurance coverage (€ 30 thousand) for a trip to a ski resort in Europe for eight days will be 350-850 rubles. depending on the company (MSC were asked, "Alfa Insurance"
«Standard-Reserve», «VTB-insurance" and "Uralsib"). But it is better to look not at the price, but on the content of the policy. For example, some companies in the base rate includes the service organization to return the child home in case of serious injury the parent (IC "Uralsib"), others do not have this option. Meanwhile, this caveat is certainly worth consideration if you go on a trip with the kids. A situation where a parent received injury requires emergency surgery, and child in this case should be sent home, there often. Having decided on the matter of returning to their homeland, the injured parent can miss out on the time required for successful treatment. One caveat: some companies of the policy only applies to driving on marked tracks ("Alfa Insurance", MSC), in others there is no such restriction ("Standard-reserve"). "Standard-reserve" and guarantees payment of the first visit to the doctor, even if later the case and will be recognized as non-insurance.
Police skier or snowboarder must include the organization of health and transportation assistance, and adequate means of transport, according to the company "VTB-insurance." It should cover not only the cost of outpatient treatment for an occurrence, but also the costs of hospitalization, surgery, emergency dental care, as well as spending on prescription drugs. It often happens that the insurer pays for medical advice, a prescription for prescription drugs paid by the insured himself. Upon arrival, he must within one month to apply to the SC for the reimbursement of their expenses, but not everyone is at this time. It is better to resolve this issue once on-site doctor can give yourself medicine and include their cost in the bill, which pays the insurer. One caveat: the service company must send you in one clinic where a doctor will do it.
A full policy provides search and rescue operations, including helicopter evacuation from the stricken mountain skier. "Another thing is that no one will guarantee waiting time of arrival of the aid itself - says Natalia Kucherov, head of travel insurance IC" Uralsib ". - The fact that any resort is only one helicopter, and if at some point will need assistance to multiple skiers, someone will have to wait for their turn. " And in the case of less serious injuries to the rapid assistance is not always necessary to count, he said. First have to dial up the service center, his phone number listed in the policy (which is why you should always keep it to yourself), then get to the place of their own admission the doctor, who tells the operator, but there still may have to sit in a queue, waiting for admission.
Having defined a set of risk and insurance services medraskhodov, skiers should be insured by the same insurance policy against accidents, as well as to insure their civil liability. Police traveling with the civil liability of $ 15-30 thousand, medraskhodov $ 40 thousand, as well as the accident would cost $ 5-10 thousand for the eight round about 1.2-1.3 thousand rubles. If desired, also in the policy can provide protection from flight delays and cancellation of the trip.