Alpenverein insurance
Current fees are listed on the Pricing page.
The insurance coverage is valid worldwide, including for interventions by the mountain rescue service. The insurance for the membership year 2026 is established after paying the annual fee and ends on January 31, 2027. The insurer of Alpenverein members is GENERALI insurance company.
Insurance for rescue/search from inaccessible terrain It covers all leisure activities and sports except for the following eight exceptions, which are performed off‑track in open terrain, including participation in hobby sporting competitions and while on vacation (including water activities such as diving to 40 m, swimming, rafting, surfing, canyoning). The exclusions for treatment are listed here. Coverage for treatment/hospitalisation abroad applies to each trip abroad for the first 8 weeks (56 days). Coverage for rescue from inaccessible terrain abroad is provided year‑round and is not limited by the number of days since departure from the home country.
Insurance guide
The complete insurance terms are available here
Rescue or search operation (including the use of a helicopter)
Year-round, worldwide, during leisure time; Rescue costs are those costs incurred by local rescue organisations (including the costs of rescue organisations from the neighbouring 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 off-road terrain, either injured or uninjured (the same applies accordingly in the event of death).
Complete terms > Rescue operations from off-road terrain
Hospital stay abroad (in case of injury or illness)
It applies during the first 8 weeks (56 days) of each trip abroad for the costs of urgent, necessary medical treatment—including medication prescribed by a doctor—and for essential medical transport to the nearest suitable hospital, up to € 10,000. From that amount, € 2,000 is allocated for outpatient care, including prescribed drugs. When receiving hospital treatment, you must present the European Health Insurance Card (EHIC) and contact Europ Assistance. If you travel to a country (e.g., the United States, Turkey, the Canary Islands, Australia) where the € 10,000 limit may be insufficient, you can purchase additional coverage for a higher sum.
Complete terms > Medical treatment abroad and transport
Transport of an injured person from abroad
It applies during the first 8 weeks (56 days) of each trip abroad. The costs for medically justified transport of a sick person from abroad to a hospital in the home country (repatriation) are covered for the insured individual and also for a close accompanying person, without any limit on the amount.
Complete terms > Transport of a sick person from abroad
European third party liability
If you cause damage to another person – coverage includes the obligation to compensate for injuries to health and property damage up to € 3 million. The deductible (co‑payment) for property damage is € 200.
If someone causes damage to you – the insurance protection covers the cost of your lawyer’s advice up to € 500 when you pursue a claim for compensation after an incident that resulted in personal injury.
Complete terms > European third party liability
European criminal law legal protection
Insurance protection applies from the moment criminal proceedings begin—starting with the indictment in court proceedings and from the first prosecutorial act in criminal cases before administrative authorities.
Complete terms > European criminal law legal protection
Exclusions from insurance coverage for rescue and medical treatment
Simplified list:
- Air/ fly activities
- activities 6,000 m above sea level
- Activities performed in the course of a profession
- Motorsport activities
- The complete list of exclusions for rescue operations is available here.
- The complete list is available here.
Examples of Coverage – Overview Table
The example appears when you click on the corresponding row in the table.
| Insurance coverage | Insured amount |
|---|---|
|
Rescue or search operation
|
up to 25 000 € |
|
Treatment and hospital stay abroad
If you need medical treatment or hospitalization abroad due to injury or illness—for example, you get hurt or contract a virus or another disease during a trip and must be taken to a clinic, treated, and possibly hospitalized—emergency medical care, including doctor‑prescribed medication and transport to the nearest suitable hospital, is covered up to €10,000. Of that amount, €2,000 is allocated for outpatient care, including prescribed medicines. For outpatient care and prescribed medication, a co‑payment of €70 per person applies for the foreign stay. |
up to 10 000 € |
|
Transport of an injured person from abroad
If you are hospitalized in a foreign hospital, you are entitled to special medical transportation back to your home country if your health condition poses a life‑threatening risk, if comparable care cannot be guaranteed at the level you would receive at home, or if a hospital stay longer than five days is expected. The costs for transportation are covered without limit for both you and a close companion who accompanies you. |
Unlimited |
|
European third party liability
Coverage includes the obligation to compensate for damages caused to health and property. For example, if you collide on a slope in the Dolomites with another person who then sues you for bodily injury, the court may require you to pay compensation for the injuries sustained and/or any property damage. If the court decides that you must compensate that person, as a member of the Alpenverein you are covered for such health‑ or property‑damage compensation up to €3 million. There is no deductible for health‑related damages, while the deductible for property damage is €200.
|
up to 3 000 000 € |
|
Criminal‑law protection (court costs) in Europe
If you collide with someone—for example while skiing—and the injured party seeks compensation from you (for bodily injury, property damage, etc.) through the courts, legal expenses will arise during the proceedings. These can include fees for various experts, interpreters, court fees, and other related costs. After the dispute is resolved, the court will order the losing party to pay the incurred expenses to the prevailing party. |
up to 35 000 € |
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