Ski Insurance – The Complete Guide to Comparing Policies in the Insurance Market

In recent years, skiing has become a popular winter attraction among Israelis, but the white vacation experience also includes risks. Ski insurance is a unique extension tailored for this activity, covering expenses in case of injuries, accidents, and even third-party damages. In this article, we will professionally review leading ski insurances, highlight the advantages and disadvantages of different policies, and recommend important parameters for choosing the right ski insurance. The information is presented by the Insurance Market – experts in comparing insurances in Israel.

Comparing Ski Insurances – What is Important to Know?

Ski insurance is not the same as regular travel insurance; it covers, among other things, medical evacuation by air or ambulance from the mountain, medical treatments including emergency dental treatments in the destination country, search and rescue, and in severe cases, medical flight back to Israel. This insurance is particularly essential at sites in Europe, including Eastern European countries like Bansko in Bulgaria, Poiana Brasov in Romania, and Chopok in Slovakia, as these are popular ski destinations without hospitals nearby and with high medical costs for tourists.

Comparison Between Leading Insurance Companies

The comparison between companies was made according to parameters of medical coverage amount, insurance cost, third-party liability limit, and coverage amount in case of an accident:

• Phoenix: Offers ski insurance that includes comprehensive medical coverage without limit and an AIRDOCTOR app for appointments with doctors abroad, including emergency treatments and helicopter evacuation. The cost of the extension is relatively high at $10 per insured but includes extensive coverage and high third-party liability limits.
• Menora: Offers high-level ski insurance, with coverage of up to 5 million dollars for body injury accidents and up to half a million dollars for search and rescue. However, its third-party liability is relatively low at up to $100,000 only, so it is worth checking its suitability for your needs. The extension cost is $6.75 per day.
• Harel: Also provides high medical coverage, emergency evacuation, and extended third-party coverage. This insurance is considered reliable and cost-effective even for more expensive sites like France and Switzerland, and with available customer service, Harel's insurance covers continued treatment in Israel due to an accident abroad. The extension cost is $8 per day, and it can be purchased through the Harel app at a lower price for first-time purchases.
• PassportCard: The leading travel insurance in Israel, includes an operations room app, benefits like lounge or luggage assistance, expenses paid via a PassportCard. Here too the third-party coverage is relatively low compared to other companies, coverage cost is $8. It is recommended to also expand to exclusive personal accident coverage with PassportCard.

In the insurance market, you can also get offers from additional companies. Each insurance company has unique advantages, and it is essential to examine the coverage that best suits you according to budget, travel destination, and personal risk.

Leading Ski Sites for Visitors from Israel

Among the popular ski sites for visitors from Israel, you can find:

• Bansko, Bulgaria: Offers high-level skiing infrastructure at especially affordable prices. It's crucial to ensure that you have insurance adapted to high activity levels, as injuries there are common due to inexperienced skiers.
• Poiana Brasov, Romania: A sought-after ski site offering breathtaking views. The coverage is important due to the distance from medical centers – it is recommended to buy one of the leading insurances.
• Chopok, Slovakia: Diverse ski trails, and also a popular area with advanced infrastructure. Comprehensive insurance coverage will ensure peace of mind during the vacation.

How to Save on Ski Insurance?

Ski insurance is a significant expense, but there are ways to reduce costs. One recommendation is to choose your skiing dates (usually not skiing on the landing or take-off day). Additionally, it is important to examine the third-party liability limit – coverage that is strongly recommended, especially at sites where accidents are more common.

In Conclusion – How to Choose the Right Ski Insurance?

To choose ski insurance that suits your needs, check the type of coverage, third-party liability limit, and medical treatment coverage in the destination country. Comparing policies through the Insurance Market will help you choose the optimal policy at the most affordable price tailored to your needs.

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