Skiing and Medical Insurance: What Every Adventurous Spirit Should Know

Winter holidays are coming and for some of us this may mean skiing or snowboarding. But before enjoying the mountain views and going down the slopes, it is important to know whether accidents or injuries are covered by your health insurance plan.

 

In general, high-risk activities and extreme sports are excluded from standard medical insurance plans and you may need to purchase sport-specific insurance.

 

Are skiing-related injuries covered by all insurers? We at AD MediLink have reviewed your options. Word of caution: Wear a helmet and keep your insurance card in your snow jacket!

 

 

Insurance Providers SPORTS SPECIFIC CONDITIONS &  EXCLUSIONS
AETNA PIONEER 

Exclusion:

 

14.14 Professional sports and hazardous

activities

Off-piste winter sports

 

14.23 Medical evacuation and local ambulance

Air-sea rescue, or any mountain rescue unless it’s for a medical condition you suffer at a recognised ski resort or similar winter sports resort.

 

ALC PRIMA 

Exclusion:

 

Any costs incurred as a result of engaging in any sports or activity as a professional or taking skiing off piste or any other winter sports activity carried out off piste.

 

APRIL MY HEALTH 

Exclusion :

Specific conditions for the cover of sports and sporting activities Professional athletes or students on a sports-study course, including ballet, dance and circus schools, are covered under this plan only in a private capacity. The costs and consequences of the following are also excluded from all cover:

•dangerous sports such as the following sports when practised off piste: skiing, cross-country skiing, sledging and snowboarding

 

CIGNA ELITE 

Exclusion:

 

The following exclusions items are applicable to accidental death benefit only:

(m) The Person Insured participating in or conducting training for any of the following activities:

(v) winter-sports

 

Exclusion:

Professional sports or hazardous activities such as winter sports.

 

GENERALI CHOICE 

Exclusion Hazardous activities:

any sport involving animals, speed competition, skiing off piste

(unless in a recognised and authorized)

 

NOW HEALTH WORLDCARE 

19. Evacuation and Repatriation:

Costs of Evacuation do not extend to include any air-sea rescue or mountain rescue costs that are not incurred at recognised ski resorts or similar winter sports resorts.

 

5.21 Hazardous sports and pursuits :

skiing off piste or any other winter sports activity carried out off piste.

 

 

 

Looking for health insurance with expert advice? Contact AD MediLink now at hello@admedilink.hk or +852 2606 2668 to receive a free quote. Advisors uniquely trained on the Hong Kong healthcare system will be in touch to answer all your enquiries concerning both the public and private sectors.

____________________________________________________________

This article was independently written by AD MediLink and is not sponsored. It is informative only and not intended to be a substitute for professional advice and should never be relied upon for specific advice.