Valid worldwide during the first eight weeks of any journey abroad, for leisure and occupational accidents as well as illness.
- Repatriation service from abroad: unlimited coverage
- Medically necessary therapeutic treatment abroad (incl. medically necessary transport to the hospital): up to EUR 10,000.
- The full costs of a medically justified patient transport from abroad 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 repatriation, in addition to the insured party’s medical condition allowing transport:
- that there is a life-threatening medical condition or
- the locally available medical care does not ensure treatment of a standard corresponding to that available in the part’s country of main place of residence
- that in-patient treatment of more than five days is to be expected. Transport must be organized by the contract organisation stated on the Alpenverein membership card. If this is not the case, max. EUR 750 shall be compensated:
Europ Assistance, tel: +43/1/253 3798, fax +43/1/313 89 1304, email: aws@alpenverein.at
- The costs occured abroad for urgent medically necessary 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. For out-patient treatments including therapeutic products prescribed by physicians, a deduction of EUR 70 per person and stay abroad 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 compensate 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 compensate the documented costs of medically necessary therapeutic treatment even in non-public hospitals. This obligation on the part of the insurer to pay shall cease when transport to a public hospital is medically reasonable.
The costs of medically necessary in-patient treatment per clause 2.2. 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 compensated.
If you do not have an EHIC card, you must immediately contact Europ Assistance to ensure the assumption of costs for an in-patient stay in hospital.
Europ Assistance, tel: +43/1/253 3798, fax +43/1/313 89 1304, email: aws@alpenverein.at
For information on the European Health Insurance Card
(EHIC), see: http://ec.europa.eu/social
- The full costs for transferring a deceased person to their last main place of residence. Transport must be organised by the contract organisation stated on the Alpenverein membership card. If this is not the case, max. EUR 750 shall be compensated:
Europ Assistance, tel: +43/1/253 3798, fax +43/1/313 89 1304, email: aws@alpenverein.at
For trips abroad longer than eight weeks, a separate insurance is offered. Information and documentation.- Exclusions relating to repatriation and medical treatment:
The insurance protection does not extend to:- Therapeutic treatments which have already started before starting a journey abroad;
- Therapeutic treatments of chronic illnesses, except as a consequence of acute attacks or flare-ups;
- Therapeutic treatments that are the purpose of the stay abroad;
- Dental treatments that do not serve as initial care for immediate pain relief;
- Abortions, pregnancy examinations and births, except for premature deliveries occurring at least two months prior to the natural due date. This also applies accordingly for premature babies;
- Therapeutic treatments due to excess consumption of alcohol, misuse of narcotics or misuse of medicines;
- Cosmetic treatments, spa treatments and rehabilitation measures;
- Preventive inoculations;
- Therapeutic treatments of illnesses and consequences of accidents arising from war events of any kind and from active participation in disorder or deliberate criminal acts;
- Therapeutic treatments of illnesses and consequences of accidents arising from active paid participation in publicly-held sports competitions and training for such events;
- Therapeutic treatments of illnesses and consequences of accidents arising from active participation in state, national or international competitions in Nordic and Alpine skiing, snowboarding and freestyling, freeriding, bob, ski-bob, skeleton or luge and when training for such events, as well as illnesses and consequences of accidents arising from active paid participation in publicly-held sports competitions and training for such events (with the exception of climbing competitions as a member of the Austrian Climbing Association);
- Therapeutic treatments of illnesses and consequences of accidents arising from participation in motor sports competitions (even classification races and rally races) and the corresponding training runs;
- Therapeutic treatments of illnesses and accidentswhen using aeronautical equipment (for examplehang-gliders, paragliders), aircraft (privatemotorised aircraft and gliders) and sky diving. However, the use of motorised aircraft approved for passenger transport (e.g. commercial aircraft)as a passenger is insured – with the exception of power gliders and ultra-lights; passengers are defined as those who are not in a causal relationship with the operation of the aircraft, are not a crewmember and do not perform a professional activity using the aircraft;
- Therapeutic treatments of illnesses and consequences of accidents arising from the harmful effects of nuclear energy;
- Therapeutic treatments of illnesses and consequences of accidents by members of rescue organisations, which occur as part of organised rescue deployments and training on behalf of the rescue organisation.
- Dives featuring exceptional risk (dives of 40 m or more, ice diving, diving expeditions);
- Participation in mountain bike competitions (downhill, four cross, dirt jump), including the official training and qualification runs;
- Record attempts relating to speed, diving and aeronautics;
- Accidents/illnesses on trips with planned ascents of mountains with summits over 6,000 m in height and travel to the Arctic (destinations north of the Arctic Circle), Antarctic (destinations south of the Antarctic Circle) and Greenland.
- Participation in expeditions – an expedition is defined as a trip to rarely-visited areas lacking permanent infrastructure (e.g. huts) that lasts for several days or weeks and is undertaken for exploration or research purposes to a certain extent.
Clarification:
In accordance with the exceptions stated above, all mountaineering activities and trips that are undertaken with the aim of climbing a mountain featuring a summit height below 6,000 m and that do not visit the stated Arctic or Antarctic regions or Greenland are nevertheless insured even if these are designated as expeditions by an organiser. Trips featuring planned ascents of mountains with a summit height above 6,000 m or trips to the stated Arctic or Antarctic regions or Greenland are classed as expeditions.
For ascents of mountains with a summit height above 6,000 m, a separate insurance is offered.
The insurance protection also extends to accidents that occur when taking part in the activity of mountain climbing with exceptional risk (climbing at difficulty level 5 UIAA and up, free solo ascents (unsecured climbing) and icefall climbing).
Please note: motor vehicle accidents abroad are generally insured as per clause 2, unless they occur during participation in motor sports competitions (even classification races and rally races) and the corre- sponding training runs.
- Exclusions relating to repatriation and medical treatment:
