PZS insurance and OEAV card (Austria)
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| JusAvgustin22. 11. 2013 16:59:54 |
a couple of hours if the moderator had some meeting, otherwise they should have introduced the BAN button long ago
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| garmin23. 11. 2013 13:35:50 |
"Coverage is provided for rescue costs up to an altitude of 6,000 meters, for alpinism and sport climbing up to 5,000 meters."
PZS has a sense of humor.
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| jedriličar23. 11. 2013 19:05:45 |
Above 5,000 meters it's not alpinism, because trekking and nordic walking ....
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| julius25. 11. 2013 22:17:27 |
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| makris17. 01. 2014 10:22:54 |
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| viharnik17. 01. 2014 10:35:45 |
I see that Julius is quite right about PZS coverage for Europe. So in case of a possible accident and rescue abroad, everyone must cover the on-site rescue assistance themselves, if I understand correctly.
Then this is no insurance at all, if one pays for it, but the insurance doesn't cover the cost directly. Well, where does all the money go that mountaineers pay in, since it should be available for immediate coverage of the injured, as that's the service they received from all of us "insured".
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| julius17. 01. 2014 15:01:13 |
l.g.
It's not any better.
In addition to membership you pay Coris too. But that doesn't include rescue, which is usually very expensive. Most Coris services you have covered in EU with EU health card.
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| janez.novak17. 01. 2014 16:54:18 |
With all this writing and analyses (especially LG) I got a bit thoughtful. I have paid membership A. About 5 times a year I go to Western Julians. If something happened to me there, there'd be big trouble. In practice I'm interested how rescue payment works, when it's paid and how, how is reimbursement from PZS?
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| janez.novak17. 01. 2014 16:54:18 |
With all this writing and analyses (especially LG), I've become a bit thoughtful. I have paid membership A (without Austrian insurance). About 5 times a year I go to the Western Julian Alps. If something happened to me there, there would be a big mess. I'm interested in how it works in practice with payment of rescue, when it's paid and how, how is reimbursement from PZS?
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| ljubitelj gora17. 01. 2014 17:14:49 |
Surcharges:
- 30 % for trekking and mountaineering above 3000 m, sport or free climbing
A membership: 22 euros
Coris: 44 euros
mandatory surcharge: 13 euros
Total: 79 euros
Without PZS membership
59 euros + 17.7 euros = 77 euros
OEAV: approx 50 euros, but as far as I know it's only assistance + hut discounts, not treatment.
Janez has some worries, but hey you go 50x a year to Dolomites or some trekking in Nepal.
Here the free rescue will collapse once, just a matter of time, then no one will mind paying 80 euros/year.
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| julius17. 01. 2014 17:54:52 |
l.g.
You wrote some mistakes. Allow me to correct you.
PZS A membership is 55€
OeAV: 52€ for members, 40€ for seniors.
Membership includes hospital treatment up to 10,000€ and also outpatient treatment is covered.
Now balls in your court and recalculate.
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| ljubitelj gora24. 01. 2014 09:24:39 |
janez.novak: If not yearly, which costs around 70-80 euros without PZS membership you can also get tourist insurance + mandatory 30% surcharge, comes to about 10 euros for 3 days or one-two euros less per day (multirisk).
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| Zebdi24. 01. 2014 09:35:28 |
Does Coris also cover rescue costs? I thought they only cover medical care?
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| julius24. 01. 2014 12:02:51 |
Zebdi
CORIS covers only the medical part, rescue is not included. You'll pay that yourself and wait for them to graciously reimburse something.
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| ljubitelj gora24. 01. 2014 12:16:40 |
Wait a bit, it says if someone does mountaineering there is a mandatory 30% surcharge, on which I also wrote to the insurer and got an answer. Unless it's some fine print again. Or actually Coris is not what it offers and you're still left to yourself up there above 2500 m where only a heli can rescue you.
P.s. Don't ask me how and what, I'm asking you if someone knows more.
Proven that Austrian association is best for exactly 52 euros.
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| Zebdi24. 01. 2014 12:20:02 |
I thought so, yes. The last few years I regularly take Coris for adventures abroad, but I don't remember reading anything about rescue itself ever. Oh, European card doesn't cover possible transport home, Coris does.
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| Zebdi24. 01. 2014 12:22:40 |
@lg: Coris is what it says it is - just need to read the terms. That surcharge is needed so that injuries from engaging in any of the previously listed activities are covered. But rescue itself is not covered.
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