Generali Alpenverein Weltweit Service: die Bedingungen im Volltext

[Seite 1] Alpenverein Weltweit Service Valid to 31/12/2027 The Alpenverein Weltweit Service (AWS) on costs. Transfer costs are costs of transport from one hospital to a hospital near the main place of residence or to provides insurance cover for all members of the main place of residence itself. Österreichischer Alpenverein for rescues in Transport costs are the costs of transporting a deceased the event of any accidents during leisure party to his or her last main place of residence. Transport activities. Protection abroad for services must be organised by the contract organisation stated on relating to repatriation and medical treatment the Alpenverein membership card. If this is not the case, max. EUR 750 shall be compensated: covers leisure and occupational accidents as well as illness. Alpenverein Weltweit Service is Europ Assistance, T +43/1/253 3798, valid worldwide, with the exception of third F +43/1/313 89 1304, M aws@alpenverein.at party liability and criminal law insurance, which are restricted to Europe. Exclusions relating to rescue costs The insurance protection does not extend to: The insurer for the Alpenverein Weltweit 5 Accidents/illnesses as part of work-related or other Service is Generali Versicherung AG. professional activities and accidents by members of rescue organisations, which occur as part of organised The Alpenverein Weltweit Service is included rescue deployments and training on behalf of the rescue in the membership fee and offers the organisation. However, accidents during paid work by following benefits: members of the Österreichischer Bergführer Verband as qualified mountain and ski guides, and as officially 5 Costs for rescue from off-road terrain domestically approved and qualified hiking guides are insured. or abroad incl. costs for transport and transfer within 5 Accidents when using motor vehicles, however motor one’s country of main place of residence vehicle accidents directly and indirectly on the way to 5 Repatriation and medical treatment costs abroad and from meetings and events of the Österreichische 5 European third party liability insurance Alpenverein and on the way to and from statutory (in- 5 European criminal law legal protection cluding private) association activities (hikes, snowshoe 5 European damage compensation legal protection hikes, mountaineering, climbing, via ferrata, skiing, ski touring, cross-country skiing, snowboarding, white water canoeing, canyoning and mountain biking/trek- Scope of coverage king tours as well as when using cable cars and lifts) are insured. 1. Costs for rescue 5 Accidents during participation in provincial, national or international competitions in Nordic and Alpine skiing, from off-road terrain snowboarding and freestyling, freeriding, bob, ski-bob, domestically or abroad skeleton or luge and when training for such events; up to EUR 25,000 per person 5 Accidents involving insured persons as pilots (including and insured event; Sports pilots, Operators of aviated devices, such as e. g. paragliders), where they require a permit for this under Year-round, worldwide, during leisure time; Austrian law, and as other crew members of aircraft and Rescue costs are those costs incurred by local rescue when using spacecraft or as a drone passenger; organisations (including the costs of rescue organisations 5 Dives featuring exceptional risk (dives of 40 m or more, from the neighbouring country in the event of incidents ice diving, diving expeditions); near borders), which are necessary if the insured party has 5 Participation in mountain bike competitions (downhill, an emergency/accident or must be rescued from mountain four cross, dirt jump), including the official training and or aquatic distress or from off-road terrain, either injured qualification runs; or uninjured (the same applies accordingly in the event of 5 Record attempts relating to speed, diving and aeronautics; death). Rescue costs are verified costs of searching for an 5 Accidents/illnesses on trips with planned ascents of insured party and his or her transport from off-road terrain mountains with summits over 6,000 m in height and tra- a) to the next accessible road or vel to the Arctic (destinations north of the Arctic Circle), b) to the hospital closest to the site of the accident. Antarctic (destinations south of the Antarctic Circle) and Greenland.* 1.1 Costs for transport and transfer within one’s country of main place of residence After a rescue covered by insurance, the costs of trans- fers of injured/ill persons and transfer costs for deceased * Travel to all parts of the mainland of Finland, Norway and Sweden is insured, persons within the same country as the insured party’s even if north of the Arctic Circle. “Mainland” means that part of those count- main place of residence shall be covered without limitation ries that is reachable overland, including by use of bridges and/or tunnels. –1– [Seite 2] 5 Participation in expeditions – an expedition is defined as suitable hospital to a total insured sum of EUR 10,000, of a trip to rarely-visited areas lacking permanent infras- which EUR 2,000 shall be available for out-patient treat- tructure (e.g. huts) that lasts for several days or weeks ments including therapeutic products prescribed by a and is undertaken for exploration or research purposes physician. For out-patient treatments including therapeutic to a certain extent. products prescribed by physicians, a deduction of EUR 70 per person and stay abroad shall apply. It shall always be Clarification: deducted from the insurance payout of Generali Versiche- In accordance with the exceptions stated above, all rung AG, even if another compulsory or private insurance mountaineering activities and trips that are undertaken policy is also obliged to make payments. The insurer shall with the aim of climbing a mountain featuring a summit compensate the documented costs of medically necessary height below 6,000 m and that do not visit the stated in-patient treatment. Arctic or Antarctic regions or Greenland are nevertheless 5 In Austria: at the general tariff class in public hospitals; insured even if these are designated as expeditions by 5 Outside Austria: in public hospitals. an organiser. However, journeys with any kind of com- mercial background (professional activity) are exclused If the urgency of in-patient treatment renders presentation from the insurance cover for the participant. at a public hospital impossible, or if the insured party was Trips featuring planned ascents of mountains with unable to influence the choice of hospital, the insurer shall a summit height above 6,000 m or trips to the stated compensate the documented costs of medically necessary Arctic or Antarctic regions or Greenland are classed as therapeutic treatment even in non-public hospitals. This expeditions. obligation on the part of the insurer to pay shall cease when transport to a public hospital is medically reasonable. For ascents of mountains with a summit height above 6,000 m, a separate insurance is offered. The costs of medically necessary in-patient treatment per Information and documentation, see: clause 2.2. shall only be billed directly to the insurer up to www.alpenverein.at/versicherung the insured sum if the e-card/EHIC card is presented in the hospital and is processed by Europ Assistance. The insurance protection also extends to accidents that Otherwise, max. EUR 750 shall be compensated. occur when taking part in the activity of mountain climbing with exceptional risk (climbing at difficulty level 5 UIAA If you do not have an EHIC card, you must immediately and up, free solo ascents (unsecured climbing) and icefall contact Europ Assistance to ensure the assumption climbing). of costs for an in-patient stay in hospital. 2. Repatriation and medical Europ Assistance, T +43/1/253 3798, treatment costs abroad F +43/1/313 89 1304, M aws@alpenverein.at Valid worldwide during the first eight weeks of any jour- ney abroad, for leisure and occupational accidents as well For information on the European Health Insurance Card as illness. (EHIC), see: http://ec.europa.eu/social 5 Repatriation service from abroad: unlimited coverage 5 Medically necessary therapeutic treatment abroad (incl. medically necessary transport to the hospital): up 2.3 The full costs for transferring a deceased person to their to EUR 10,000. last main place of residence. Transport must be organised by the contract organisation stated on the Alpenverein 2.1 The full costs of a medically justified patient transport membership card. If this is not the case, max. EUR 750 shall from abroad to a hospital in the country of the main place be compensated: of residence of the injured/ill party, or to the main place of residence, including the costs of transporting a person Europ Assistance, T +43/1/253 3798, close to the insured party to be transported. The following F +43/1/313 89 1304, M aws@alpenverein.at requirements apply for repatriation, in addition to the insu- red party’s medical condition allowing transport: For trips abroad longer than eight weeks, a separate in- a) that there is a life-threatening medical condition or surance is offered. Information and documentation, see: b) the locally available medical care does not ensure treat- www.alpenverein.at/versicherung ment of a standard corresponding to that available in the part’s country of main place of residence Exclusions relating to repatriation c) that in-patient treatment of more than five days is to be and medical treatment expected. Transport must be organized by the contract or- The insurance protection does not extend to: ganisation stated on the Alpenverein membership card. If 5 Therapeutic treatments which have already started befo- this is not the case, max. EUR 750 shall be compensated: re starting a journey abroad; 5 Therapeutic treatments of chronic illnesses, except as a Europ Assistance, T +43/1/253 3798, consequence of acute attacks or flare-ups; F +43/1/313 89 1304, M aws@alpenverein.at 5 Therapeutic treatments that are the purpose of the stay abroad; 2.2 The costs occured abroad for urgent medically necessary 5 Dental treatments that do not serve as initial care treatment including therapeutic products prescribed by for immediate pain relief; a physician, medically necessary transport to the nearest 5 Abortions, pregnancy examinations and births, except –2– [Seite 3] for premature deliveries occurring at least two months Clarification: prior to the natural due date. This also applies accor- In accordance with the exceptions stated above, dingly for premature babies; all mountaineering activities and trips that are under- 5 Therapeutic treatments due to excess consumption of taken with the aim of climbing a mountain featuring alcohol, misuse of narcotics or misuse of medicines; a summit height below 6,000 m and that do not visit 5 Cosmetic treatments, spa treatments and rehabilitation the stated Arctic or Antarctic regions or Greenland are measures; nevertheless insured even if these are designated as 5 Preventive inoculations; expeditions by an organiser. 5 Therapeutic treatments of illnesses and consequences of Trips featuring planned ascents of mountains with accidents arising from war events of any kind and from a summit height above 6,000 m or trips to the stated active participation in disorder or deliberate criminal acts; Arctic or Antarctic regions or Greenland are classed as 5 Therapeutic treatments of illnesses and consequences expeditions. of accidents arising from active paid participation in publicly-held sports competitions and training for such For ascents of mountains with a summit height events; above 6,000 m, a separate insurance is offered. 5 Therapeutic treatments of illnesses and consequences Information and documentation, see: of accidents arising from active participation in state, www.alpenverein.at/versicherung national or international competitions in Nordic and Alpine skiing, snowboarding and freestyling, The insurance protection also extends to accidents that occur freeriding, bob, ski-bob, skeleton or luge and when trai- when taking part in the activity of mountain climbing with ning for such events, as well as illnesses and consequen- exceptional risk (climbing at difficulty level 5 UIAA and up, ces of accidents arising from active paid participation in free solo ascents (unsecured climbing) and icefall climbing). publicly-held sports competitions and training for such events (with the exception of climbing competitions as a Please note: motor vehicle accidents abroad are generally member of the Austrian Climbing Association); insured as per clause 2, unless they occur during participa- 5 Therapeutic treatments of illnesses and consequences tion in motor sports competitions (even classification races of accidents arising from participation in motor sports and rally races) and the corresponding training runs. competitions (even classification races and rally races) and the corresponding training runs; 3. European third party liability insurance 5 Therapeutic treatments of illnesses and accidents when up to EUR 3,000,000 using aeronautical equipment (for example hang-gli- Year-round, Europe-wide ders, paragliders), aircraft (private motorised aircraft and It provides damage compensation liability insurance for gliders) and sky diving. injuries to persons and property damage. Deduction for However, the use of motorised aircraft approved for property damage EUR 200. passenger transport (e.g. commercial aircraft) as a pass- enger is insured – with the exception of power gliders 4. European criminal law legal protection and ultra-lights; passengers are defined as those who are not in a causal relationship with the operation of the up to EUR 35,000 aircraft, are not a crew member and do not perform a Year-round, Europe-wide professional activity using the aircraft; Insurance protection applies for legal criminal proceedings 5 Therapeutic treatments of illnesses and consequences as of prosecution, and as of the initial legal proceedings for of accidents arising from the harmful effects of nuclear administrative criminal cases. energy; 5 Therapeutic treatments of illnesses and consequences 5. European damage compensation of accidents by members of rescue organisations, which occur as part of organised rescue deployments and legal protection with damage training on behalf of the rescue organisation. compensation claims after accidents 5 Dives featuring exceptional risk (dives of 40 m or more, involving personal injury ice diving, diving expeditions); to max. EUR 500 per insured event 5 Participation in mountain bike competitions (downhill, Insurance protection shall apply for assumption of legal four cross, dirt jump), including the official training and costs for advice to assert damage compensation claims qualification runs; after events with personal injuries. There shall be no insu- 5 Record attempts relating to speed, diving and rance protection for claims of pure property and financial aeronautics; damage. 5 Accidents/illnesses on trips with planned ascents of mountains with summits over 6,000 m in height and The term Europe is defined geographically and also travel to the Arctic (destinations north of the Arctic Circ- includes Iceland, Greenland, Svalbard, the Mediterranean le), Antarctic (destinations south of the Antarctic Circle) islands, the Canary Islands, Madeira, Cyprus, the Azores and Greenland. and the Asian regions of Turkey and the current and former 5 Participation in expeditions – an expedition is defined as Member States of the CIS. a trip to rarely-visited areas lacking permanent infras- tructure (e.g. huts) that lasts for several days or weeks The services stated in clauses 3–5 protect all and is undertaken for exploration or research purposes domestic and foreign members in the event of to a certain extent. claims arising from their association activities. –3– [Seite 4] 5 Participation in any events advertised by the sections of the Alpenverein; Who is insured? 5 Taking part in the following sports (also privately, out- All members of the Österreichischer Alpenverein who pay side of section events): hiking, mountaineering, clim- their membership fees for the current insurance period are bing, via ferrata, skiing, ski touring, cross-country ski- insured. Non-fee-paying members such as children and ing, snowboarding, white water canoeing, canyoning young people without an income up to the max. age of 27, and mountain biking/trekking bike tours. Mountain both of whose parents are members (or one of whose pa- biking/trekking bike tours are defined as such tours that rents is a member in the case of single parents), are fully in- are undertaken on cycle paths, forest roads, forest trails, sured provided that they are registered with the association mountain trails and other unpaved paths as well as de- and therefore have a valid membership card. Members of signated practice or training areas. Accordingly, there is the Alpenverein whose main place of residence is outside no insurance protection for trips outside the abovemen- Austria or who are foreign nationals are also fully insured. tioned forest roads and trails, such as on general public In this case, the term “abroad” in the terms of insurance traffic areas governed by the Rules of the Road (StVO), refers to the respective main place of residence. pavements, access roads and access paths, etc. Duration of insurance Contractual basis The contractual basis consists of the framework contracts The insurance cover is guaranteed provided that the ongo- agreed between the Österreichischer Alpenverein and the ing membership fee is paid prior to any event resulting in insurers, as well as the general conditions to which the a claim. An exception applies every January: if any event respective contract is subject. resulting in a claim occurs during this period and if the fee The insurance cover provided under this contract is only for the respective calendar year has not yet been paid, such subsidiary to other insurance cover. Other service obligati- a claim will only be honoured if the fee is then paid and if ons take precedence if insurance cover is also provided by a the membership fee for the previous year was also paid. If different insurer for the same risks. the fee is paid after 31 January, insurance protection begins with the first minute of the day following the date on which A claim cannot be made if a service has been or were to be the fee was paid. New members who join after 1 September provided to the insured person free of charge. of any year also count as being insured up to 1 January of the following year, although no membership fee is charged The underlying contractual documents are available to for this period. download, see: www.alpenverein.at/versicherung Main place of residence What should be done in the event of A person’s main place of residence is generally established at the place where he/she settled with the intention of making it his/her centre of vital an insurance claim? interests. If this material condition applies to multiple places of residence on overall consideration of a person’s professional, economic and social vital in- terests, they must refer to the place of residence to which they have primary Note: before repatriation, transport, in-patient medical proximity as their main place of residence. treatment abroad or transport within the country of main place of residence (not in event of rescue), you must con- tact the 24h emergency service (or max. EUR 750 will be compensated): Europ Assistance, T +43/1/253 3798, F +43/1/313 89 1304, M aws@alpenverein.at In the event of rescue, repatriation, transfer and medical treatment, please send a claim form to: KNOX Versicherungsmanagement GmbH, Resselstraße 33, 6020 Innsbruck, T +43/512/238300-30, F +43/512/238300-15, M AV-service@knox.co.at In case of liability and legal expenses, please send a claim The present contract is an Austrian contract to which Austrian law must be applied form to: in any case, with the exclusion of the Austrian Private International Law and Inter- national Reference Provisions. KNOX Versicherungsmanagement GmbH, Neither Österreichischer Alpenverein nor KNOX Versicherungsmanagement GmbH have legal liability for the accuracy or content of any other than the Resselstraße 33, 6020 Innsbruck information available in the German version of the website or on the German T +43/512/238300-30, F +43/512/238300-15, information folder. In case of uncertainty, only the original German version is M AV-service@knox.co.at legally binding on Österreich­ischer Alpenverein. Translations are merely offered as a service for the members of Österreichischer Alpenverein and without legal obligation. Damage claim forms are available online, see: For all contracts concluded with Österreichischer Alpenverein, Austrian law must www.alpenverein.at/versicherung be applied, with the exclusion of the Austrian Private International Law and Inter- national Reference Provisions. –4–