seasonal skiing insurance

This is the conclusion I have drawn after reading all posts, correct me if I am wrong:

1. For a ski season, I should hold an EHIC, have my private travel insurance and buy a Carte Neige.
2a)With the EHIC I get same the benefits and reductions as a French citizen?
2b) For treatments at public hospitals(or technically all medical sectors insured bu EHIC) I pay 20-30% cash before the treatment. For private sectors I have to pay 100% in cash before the treatment.
2C)What if I do not have enough cash for serious injuries?
3a). With the private insurance I can get reimbursement of the 20-30%cost I have paid at public hospitals , and 100%cost at private sectors.(which may not be fully reimbursed by an Neige Carte which has a maximum reimbursement amount of 3000euros)
I have to send the medical certificate and bill to the private insurance company.
3b)But I believe all documents are in French, will the insurance companyies accept it?
3c)Anyone who knows whether UKV travel insurance in Germany is good?
4. I need the Carte Neige for insuring the off-piste rescue fees and the reimbursement of the lift ticket in case I am injured and cannot use it anymore.

sounds about right kusanagi......

But - you probably do need to find a German travel insurance specialist for your seasons insurance.

AllyG, what accident did you encounter that ended up costing 2 million pounds?

Will insurance companies refuse to reimburse any of the medical costs regarding accident under dangerous situations, for instance when the avalanche warning is being hoisted and one encounters an avalanche and then gets hurt.

And an EHIC from UK works the same as an EHIC from Germany?

Kusanagi have you looked at the cover provided by the Austrian Alpine Club yet? Link provided several pages back.

Any insurer will look for ways to limit their exposure in the event of a claim.In the example you suggest, it will be up to you to prove that you were not reckless.

There is no zero avalanche risk status in alpine areas.

bandit wrote:Kusanagi have you looked at the cover provided by the Austrian Alpine Club yet? Link provided several pages back.

Any insurer will look for ways to limit their exposure in the event of a claim.In the example you suggest, it will be up to you to prove that you were not reckless.

There is no zero avalanche risk status in alpine areas.

Do you mean this one?http://www.alpenverein.at/portal/
Its only in German and I was not able to understand. I live in Germany but I am not a German though...

What i mean is for instance they will insure accidents at avalanche warning level 1 and will not do so at avalanche warnings 2 to 5. Just an example.

Here is a link to the English Section of the AAC, which will give you the details.

http://www.aacuk.org.uk/

Some insurers will only cover you to ski/board when the risk is at a certain level, for example 3. It will be in the small print. Most, will put the onus on you in the event of a claim, to prove that you were not reckless.

For example:

Had you consulted the Avalanche Forecast?
Spoken to the Pisteurs that morning?
Taken Avalanche Awareness training?
Carried a Transceiver, Probe and Shovel when offpiste.
Not ventured offpiste alone.
(Not a full list, you will get the idea)

Most insurers will have clauses that require you to behave as though you were not insured.

If you are resident in Germany you will probably have to buy your insurance there. The PJ Hayman long stay policy mentioned above requires that you make the following residency declaration "I confirm that I am a resident of the UK or the Channel Islands and I have not spent more than six months abroad in the last twelve months".

You will need a Reisekrankenversicherung to cover you for illness and a Wintersportversicherung to cover you in case of accident etc. as well as an EHIC card, something like the Deutscher Skiverband CLASSIC PLUS policy might be suitable, its only 55 euro per year but unfortunately it only provides cover for trips of up to 42 days and off-piste skiing isn't mentioned http://www.ski-online.de/2724-start_page.htm (in English) This policy is available to any European resident so it might be of interest to other J2Ski members.

Getting cover for a whole season could be a problem, I'm not sure if you can legally stay as a tourist in a EU country for longer than 90 days in any 6 month period. As OldAndy mentioned you will need to find a German travel insurance specialist. You could try posting (in English) on one of the German skiing forums.