seasonal skiing insurance

I'll be skiing for a whole season in Chamonix. What insurance would be the best? carte Neige, Impact Multisport, are they good?

You probably need more than one type of insurance.

When I used to work in the Alps and employ people a basic UK extended holiday/work type insurance covered personal belongings, medical problems and dentistry and repatriation.

Carte neige covered mountain rescue and some medical stuff.
EHIC EU card also essential in my view.

Don't forget that in a prolonged stay "ordinary" sickness needing medical help or drugs is more likely than during a holiday as is dental help.

I am sorry but I cannot recomend any specific policy for you.
Maybe a broker could help or, if you are cheeky enough, a call to a tour operator or two to ask who they use could give you a starting point.

Good luck - would be interested to know what you find and decide on.

PJ Hayman have a Longstay Policy on offer which might interest you. It can be tweaked to suit a variety of snowsports/mountain activities, so you may end up phoning them for advice.

http://www.pjhayman.com/scheme.asp?SCH_ID=13&go.x=7&go.y=10

OldAndy wrote:You probably need more than one type of insurance.

When I used to work in the Alps and employ people a basic UK extended holiday/work type insurance covered personal belongings, medical problems and dentistry and repatriation.

Carte neige covered mountain rescue and some medical stuff.
EHIC EU card also essential in my view.

Don't forget that in a prolonged stay "ordinary" sickness needing medical help or drugs is more likely than during a holiday as is dental help.

I am sorry but I cannot recomend any specific policy for you.
Maybe a broker could help or, if you are cheeky enough, a call to a tour operator or two to ask who they use could give you a starting point.

Good luck - would be interested to know what you find and decide on.

So basically I will need 2 types of insurances, one more basic daily life such as dental and illnesses, and the other one for rescuing and hospitalization after an accident, right?

Will an EHIC work for the former and the Carte Neige work for the latter?

Thanks!

Insurance does seem to be such a perosnal thing and I know I am the cautious type - I like to know I am covered!!

It is my understanding that EHIC gives you what the French get FREE, which is not the same as full medical cover. You would be left paying for a lot of stuff if you became ill or had an accident.

I am not an officianado of Carte neige, but pretty sure this is cover for mountain activity related accidents. Lots of other ways to have an accident!

I would have thought that having a look at the policy bandit suggested would make sense (other policies are available ..... love putting that bit in!).

You could end up hugely out of pocket if you became ill or had an accident while in France without insurance cover.

Where do you live kusanagi? EHIC is available for EU citizens, I think I read somewhere that there are a few other reciprocal arrangement floating around but not sure.

Bandit mentioned P J Hayman - we organised their 'longstay & backpacker' policy for a seasonal worker a couple of years ago - very reasonable and cover seemed good.

This is from the NHS website:



Each country's healthcare system is slightly different. Therefore, your EHIC might not cover everything that would be free on the NHS. However, you should be able to get the same treatment as a resident of the country you're visiting.
In some countries, you may have to pay a patient contribution, also known as a co-payment. See our county-by-country guide for more information.
You may be able to get a refund for these payments when you're back in the UK if you could not do so in the country where you were treated.
The EHIC will cover any medical treatment that becomes necessary during your trip, for example because of either illness or an accident. (In an emergency you can dial the European emergency number 112 from any telephone or mobile phone).
The card gives access to reduced-cost or free medical treatment from state healthcare providers.
It includes treatment of a chronic or pre-existing medical condition that becomes necessary during your visit.
It includes routine maternity care (not only because of illness or accident), as long as you're not going abroad to give birth. However, where the birth happens unexpectedly, the card will cover the cost of all medical treatment for mother and baby that is linked to the birth.
The card covers the provision of oxygen and kidney dialysis. You will have to arrange and pre-book these treatments before you go on holiday. You can ask your GP or hospital for advice, but make sure you are not booked with a private healthcare provider as these are not covered by the EHIC.
The card also covers routine medical care for people with pre-existing conditions that need monitoring.

The EHIC is not an alternative to travel insurance. It will not cover any private medical healthcare or costs such as mountain rescue in ski resorts, being flown back to the UK, or lost or stolen property. Therefore, it is important to have both an EHIC and a valid private travel insurance policy. Some insurers now insist you hold an EHIC and many will waive the excess if you have one.
The EHIC will not cover your medical expenses if you are going abroad specifically to have treatment (including giving birth). Find out more about planned treatment abroad.
You may not be able to use the card in some parts of the EEA as state-provided healthcare may not be available.

Germany.
I have read through the policy of EHIC, it seems that it only covers 30% of the medical costs in France.

The Neige card only covers everything up on the mountain.

So I guess I need extra travel insurance.