Ski Insurance: which policy to claim from?

Hi - hoping someone can help. My daughter is boarding in Morzine - yesterday she fell and dislocated/fracture her wrist. She got treated - plaster cast I think + meds. She paid £750 ish I think for treatment with card.
She bought wintersports insurance in UK (Admiral who use CEGA), but also got cover with her lift pass for a few Euros extra. Her UK policy looks comprehensive, and should cover everything, with modest excess. I can't work out whats covered with the lift pass insurance, which is with Snow Risk/ Europ Assistance
Question is which to claim from? We reported to the Uk insurers already just to ensure wee did all the right things, but looking at reviews their reputation looks uncertain. She could claim form the lift pass policy, but that might not cover everything and might have higher excesses, plus might be more difficualt to deal with given not UK based. If claiming with them it looks like the claim has to be logged during the period of insurance which only leaves 2 days.
To complicate things further, I'm pretty sure if either insurer was aware of a second policy they wouldn't pay, and would say to claim from the other - I had this situation once before and lost money.
so - what to do? Grateful for any ideas.

Hi, Sorry to hear of your daughters accident.
I am not an expert on insurance, so I can only comment on what I understand to be the case, but again, this is only my understanding and may not be legally correct.
As I understand it you can pay an additional sum on top of the lift pass price which will get you off the mountain in the case of an accident. I think this covers helicopter or ski-do evacuation costs, but does not include medical costs. Last time I was in France,several years ago this premium was 2euro per day.
If the premium was not purchased with the lift pass,then you would need to pay evac costs yourself and then try to claim them back from your travel insurance company.
Medical costs will need to be reclaimed from your travel insurance company.
I hope this helps clarify, and wish your daughter a speedy recovery.

Hi and thanks for that. Yes my impression was that the lift pass add-on only covered something basic - I thought it was just to recover the cost of unused lift pass in case of accident, although it looks like its more than that. Getting you off the mountain definitely seems to be included, its just the other medical costs I'm not clear on. And I don't want to split it the claim across 2 companies.
She didnt need Heli or anything, so the main costs are the medi care which shes now paid by card.
I think the best thing is to claim from Admiral not least because easier to deal with once back in the UK. I cant find anything online from anyone claiming on the lift pass policy which is with Snow Risk, so not keen to go that route