As an Alpenverein member, what is my insurance cover when I am in other countries?

 
1. Travel health insurance

• • Medically necessary therapeutic treatment abroad (incl. medically necessary transport to the hospital): up to EUR 10,000,-
• • Retrieval service from other countries: unlimited coverage

Costs incurred in the other country (not in the country of the main place of residence) for urgent, medically necessary therapeutic treatment including therapeutic products prescribed by a physician, medically necessary transport to the nearest suitable hospital to a total insured sum of EUR 10,000, of which EUR 2,000 shall be available for out-patient treatments including therapeutic products prescribed by a physician, shall be insured. For out-patient treatments including therapeutic products prescribed by physicians, a deductible of EUR 70 per person and overseas stay shall apply. It shall always be deducted from the insurance payout of Generali Versicherung AG, even if another compulsory or private insurance policy is also obliged to make payments.

The insurer shall reimburse the documented costs of medically necessary in-patient treatment.
– In Austria: at the general tariff class in public hospitals;
– Outside Austria: in public hospitals.

If the urgency of in-patient treatment renders presentation at a public hospital impossible, or if the insured party was unable to influence the choice of hospital, the insurer shall reimburse the documented costs of medically necessary treatment even in non-public hospitals. The insurer’s obligation to pay shall cease when a transfer to a public hospital is medically reasonable.
The costs of medically necessary in-patient treatment shall only be billed directly to the insurer up to the insured sum if the e-card/EHIC card is presented in the hospital and is processed by Europ Assistance. Otherwise, max. EUR 750 shall be reimbursed.

Europ Assistance , T +43/1/253 3798, F +43/1/313 89 1304, M aws@alpenverein.at

For information on the European Health Insurance Card (EHIC), see:http://ec.europa.eu/social

 
The full costs of a medically justified patient transport from another country to a hospital in the country of the main place of residence of the injured/ill party, or to the main place of residence, including the costs of transporting a person close to the insured party to be transported.
The following requirements apply for retrieval, in addition to the insured party’s medical condition allowing transport:
a) a) that there is a life-threatening medical condition or
b) b) that medical care provided on-site does not guarantee treatment equivalent to the domestic standard or
c) that in-patient treatment of more than five days is to be expected.

Transport must be organized by the contract organization stated on the Alpenverein membership card. If this is not the case, max. EUR 750 shall be compensated::

Europ Assistance , T +43/1/253 3798, F +43/1/313 89 1304, M aws@alpenverein.at

2. Rescue costs of up to EUR 25,000,-

up to EUR 25,000 per person and insured event.

Year-round, world-wide, during leisure time.

Rescue costs are those costs incurred by local rescue organizations (including the costs of rescue organizations from the neighboring country in the event of incidents near borders), which are necessary if the insured party has an emergency/accident or must be rescued from mountain or aquatic distress or from rough terrain, either injured or uninjured (the same applies accordingly in the event of death).
Rescue costs are verified costs of searching for an insured party and his or her transport from rough terrain
a) to the next accessible road or
b) to the hospital closest to the site of the accident.

As an Alpenverein member, what is my insurance cover when I am in Austria?

Rescue costs

up to EUR 25,000 per person and insured event.

Year-round, world-wide, during leisure time.

Rescue costs are those costs incurred by local rescue organizations (including the costs of rescue organizations from the neighboring country in the event of incidents near borders), which are necessary if the insured party has an emergency/accident or must be rescued from mountain or aquatic distress or from rough terrain, either injured or uninjured (the same applies accordingly in the event of death).
Rescue costs are verified costs of searching for an insured party and his or her transport from rough terrain
a) to the next accessible road or
b) to the hospital closest to the site of the accident.

Transfer and transport costs

After a rescue covered by insurance, the costs of transfers of injured/ill persons and transfer costs for deceased persons within the same country as the insured party’s main place of residence shall be borne without limits on costs.
Transfer costs are costs of transport from one hospital to a hospital near the main place of residence or to the main place of residence itself.
Transport costs are the costs of transporting a deceased party to his or her last main place of residence.
Transport must be organized by the contract organization stated on the Alpenverein membership card.If this is not the case, max. EUR 750 shall be compensated::
Europ Assistance, T +43/1/253 3798, F +43/1/313 89 1304, M aws@alpenverein.at

I am an Alpenverein member in a foreign hospital. What should I do? When will I be retrieved?

The costs of medically necessary in-patient treatment shall only be billed directly to the insurer up to the insured sum if the e-card/EHIC card is presented in the hospital and is processed by Europ Assistance. Otherwise, max. EUR 750,- shall be reimbursed.

Europ Assistance , T +43/1/253 3798, F +43/1/313 89 1304, M aws@alpenverein.at

For information on the European Health Insurance Card (EHIC), see:http://ec.europa.eu/social

The following requirements apply for retrieval, in addition to the insured party’s medical condition allowing transport:
a) that there is a life-threatening medical condition or
b) that medical care provided on-site does not guarantee treatment equivalent to the domestic standard or
c) that in-patient treatment of more than five days is to be expected.
Transport must be organized by the contract organization stated on the Alpenverein membership card. If this is not the case, max. EUR 750 shall be compensated:
Europ Assistance , T +43/1/253 3798, F +43/1/313 89 1304, M aws@alpenverein.at

Important special cases:

Touring caves

In any case, cave tours organized by companies, associations, communities, the state, an event organizer shall be deemed insured. These caves shall be equipped with paths and/or stairs and/or railings, which must be maintained regularly. Furthermore, tours of caves undertaken with a guide or boat pilot, and which are subject to admission fees, shall of course also be deemed insured.
If a cave visit is ‘exploratory’ in nature (i.e. the cave is to be explored, not visited) and this cave has not yet been made accessible, there shall be no insurance cover.
In accordance with the scope of insurance cover (only accidents during leisure time are covered), there shall be no insurance cover if the cave visit is conducted as part of professional activities.

Travels to war zones 

Due to the conditions of insurance there is no insurance coverage for medical treatment of illnesses and of the consequences of accidents that arise as a result of war hostilities of any kind and as a result of active participation in civil unrest or of premeditated criminal offences. That means if the member gets into a war and is injured, there is no insurance cover.

All other emergencies, accidents or illnesses within the war zone are insured in accordance with the AWS Brochure – please note, however, that medical care or retrieval cannot be guaranteed due to the hazardous location. Europ Assistance’s emergency-staff consists of paramedics and doctors, whose safety has to be warranted at any rate. If the safety of the medical staff and the ambulance jet cannot be guaranteed, Europ Assistance cannot undertake a retrival.

Inducing a false alarm

Costs arising from false alarms induced by members are insured as part of the rescue costs at max. EUR 250,00 each. There is neither an accident, emergency, nor mountain- or aquatic distress.  

Definition of terms: Rescue costs / Transport costs / Transfer costs / Expedition

Rescue costs

Rescue costs are those costs incurred by local rescue organizations (including the costs of rescue organizations from the neighboring country in the event of incidents near borders), which are necessary if the insured party has an emergency/accident or must be rescued from mountain or aquatic distress or from rough terrain, either injured or uninjured (the same applies accordingly in the event of death).
Rescue costs are verified costs of searching for an insured party and his or her transport from rough terrain
a) to the next accessible road or
b) to the hospital closest to the site of the accident.

Transport costs

The costs incurred in the other country (not in the country of the main place of residence) for medically necessary transport to the nearest suitable hospital to a total insured sum of EUR 10,000.

Transfer costs

After a rescue covered by insurance, the costs of transfers of injured/ill persons and transfer costs for deceased persons within the same country as the insured party’s main place of residence shall be borne without limits on costs.
Transfer costs are costs of transport from one hospital to a hospital near the main place of residence or to the main place of residence itself.
Transport costs are the costs of transporting a deceased party to his or her last main place of residence.

Transport must be organized by the contract organization stated on the Alpenverein membership card. If this is not the case, max. EUR 750 shall be compensated::
Europ Assistance, T +43/1/253 3798, F +43/1/313 89 1304, M aws@alpenverein.at

Expedition

An expedition is defined as a trip described by the organizer as an ‘expedition’ or a trip lasting several days to weeks, which is partially exploratory or investigative in nature, in areas rarely or never visited without permanent infrastructure (e.g. huts).