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| viharnik20. 01. 2013 17:37:59 |
Of course PZS does not settle the amount, through it and the insurance company only a contract is concluded. It seems very strange to me that such a large organization wouldn't have an economist in its ranks who would select better insurance premium conditions in advance, if all this is true. Tilia was one of the worse insurance companies here 20 years ago, now I don't know how it's going there.
When I settled A insurance in January, the secretary said that our insurance is exactly the same, only it doesn't cover hospital care, which needs to be additionally concluded through Vzajemna.
I hope that the responsible people at PZS read our speculations and explain something on this topic.
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| turbo20. 01. 2013 17:59:46 |
Breathe in - breathe out! That little something in between we call life. From birth on, every day we have one day less and not one more ahead; so it's more about dying than living. And what does all this have to do with the mountaineering association, domestic or foreign, and such or other insurance?
Actually nothing or a lot. Time spent figuring out what is and isn't included in the insurance, whether this is better or that would be better, B or C or A with plus or A without plus and so on and back, is better spent reading a good book, walking the dog, organizing photos, planning trips or editing notes on completed ones . . .
I spend only a few minutes each year renewing my membership and thus the insurance. And I'm insured for everything and a little extra. All over the world and up to heights I'll probably never go again. And on top I get a super magazine with excellent suggestions where to waste time in the useless world and what's new in clothing and gear. And in their huts, most of them, both me and the little dog can overnight. Not just can, we're even welcome.
When I go to the mountains, I take care of mental and physical readiness. And dress and equip appropriately. And head towards a goal suitable for the weather forecast and conditions.
For the unnecessary stuff, let others take care, and those others should be trustworthy. Not just if/when something goes wrong but also when everything goes smoothly.
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| viharnik20. 01. 2013 18:06:51 |
Jax, it'll be something like that. Nowadays almost no insurance companies operate without a surplus. But they all share the interest in acquiring as many regular clients as possible with whom they will do business with reliable and safe insurance services.
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| julius20. 01. 2013 18:11:39 |
Viharnik
The secretary sold you a cat in a bag. The vast majority of PD presidents, let alone PD secretaries, know nothing about this issue because they themselves don't go abroad. For their members, everything is fine anyway.
The responsible at PZS cannot refute any of the written claims, so they don't respond on the forum either. Of course they read our nagging and wisely stay silent.
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| viharnik20. 01. 2013 18:13:50 |
But I'll go to the mountains with the cat in the bag, thanks julius  .
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| ajda20. 01. 2013 18:29:05 |
Viharnik, just so you don't meet this young guy who walks in the hills with his little bunny Lili. It was peeking out of his pocket when we met on Lipanski vrh 
 1
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| julius20. 01. 2013 20:28:03 |
Viharnik!!
Read the last sentence carefully!!!
Rescue cost insurance applies to A, B, B1, S+Š and P+O members in foreign mountains of Europe and Turkey, for A+ members worldwide. Insurance coverage for rescue costs is 15,000 EUR for A members + members, 10,000 EUR for A members, 3,000 EUR for B, B1, S+Š and P+O members.
A+ members with membership payment automatically have rescue cost insurance with Generali under slightly improved conditions than in the previous period. Rescue costs do not include rescue costs in Slovenia, as rescue in Slovenia is free except in exceptional cases of gross negligence. A and A+ members are additionally insured for repatriation costs of the injured person (A 1,000 EUR, A+ 2,000 EUR). Coverage for all categories includes only reimbursement of rescue costs and does not include 24-hour assistance in rescue.
Below you have the results of handling cases.
17 cases
1 case rejected
4 cases resolved
12 cases ???
As for the cat, watch out for turbo's princess.
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| ljubitelj gora20. 01. 2013 20:54:05 |
In Slovenia it's free for the injured person, otherwise every accident costs so much and so much, the money comes from the budget. Nothing is free, that's why we keep warning folks not to rush unnecessarily into the mountains at 3-4 degrees. I just think that in Slovenia it should be like abroad, for us mandatory membership in PD for insurance, foreigners the same, if not pay for rescue. I think there was an accident under Triglav recently, two foreigners, one slipped, rescue costs surely exceeded 5000 euros, who will pay them since it comes from the budget. The foreigners can be glad they won't pay a euro for stupidities. At the end of the year GRZS publishes how many interventions they had, but we others are guilty, who ensure the tour ends safely.
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| viharnik20. 01. 2013 21:04:01 |
Compared to our and Austrian insurance, there are pros and cons on both sides. In a possible accident with normal rescue, apparently everything is covered except hospital. If it's about 24-hour assistance, I don't know how and what. But I think for similar money of our insurance, you can't get better services in Austria either.
I'm not an expert in insurance and don't have experience with individual accident cases and their conclusions to discuss here. Time always shows the truth.
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| ljubitelj gora22. 05. 2013 09:11:19 |
And how have you taken care of insurance this year. A, A+, B.... The sh*ttiest is visiting Stol via the climbing route or Maloško poldne via one climbing route. Has anyone inquired at PZS during this time about similarities, practice, has anything improved regarding insurance.
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| julius22. 05. 2013 14:16:29 |
ljubitelj gora
Nothing has really changed since last year.
They signed the contract with the insurance company for three years. So nothing will change next year either.
Since I really often wander both in domestic and foreign mountains, I was forced to pay membership at OAV. So I'm insured 365 days a year with all necessary assistance. I no longer carry a bulky booklet with money and cards with me.
It saddens me in a way that they forced me with unreasonable moves to now be a member of a foreign alpine organization.
If they arrange the matter (insurance) for 2015 properly, I'll return.
In short, the decision is in the hands of the great kitchen masters at PZS.
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| ljubitelj gora22. 05. 2013 14:42:38 |
I got one response from PZS:
PZS members' insurance for rescue abroad also covers rescue in Austrian mountains. No distinction between individual paths, but costs depend on difficulty and distance of the accident site. B membership covers amounts up to 3,000 € (which may be too little and the injured pays the difference himself), A up to 10,000 €. Last year we had cases where rescue costs in Austria were also 5,000 €. In both cases, amounts are refunded afterwards.
More about PZS insurances: http://www.pzs.si/vsebina.php?pid=79
This last part I don't endorse: "In both cases, amounts are refunded afterwards".
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| Zebdi22. 05. 2013 15:02:41 |
Could be that you have to pay for the rescue first yourself, then the insurance reimburses the costs
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| jax22. 05. 2013 18:09:26 |
I wrote that already in January, because this insurance has been running for more than a year. Listing countries where B membership and its variants, A membership with variants, and A+ membership apply doesn't help you. In case of accident, it looks catastrophic. Helicopter rescue is immediately several thousand €, then possibly a classic rescue team and costs of such a thing are immediately over 10,000.00€.
That's true.
If you need several months of treatment and rehabilitation, the matter at the insurance stands until the end of the case. Then proof and other procedures follow.
No, that's not the case, because once you've entered the health system of a foreign country, then the health insurance comes into play and the alpine insurance has no meaning anymore.
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| julius22. 05. 2013 18:22:24 |
jax
Slovenian alpine insurance has nothing to do with health insurance. For treatment abroad, there's the European health card. You get it at ZZZS. It covers only the most urgent health care. For more, you have to insure additionally e.g. at Coris. They insure for a day, several days, week ...
Of course, the more days, the more expensive.
As I wrote above, the insurance company where PZS has its members insured waits with payouts until the end of treatment. That's because then they also assess any permanent consequences from the injury - disability according to the table.
It's already like that, a good master doesn't give away money easily.
What I wrote is 100% verified.
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| jax22. 05. 2013 18:39:11 |
I apologize. I really read superficially. I thought you meant that with Slovenian alpine insurance you can also be hit with payment of treatment costs, which of course is not true. Of course, what you wrote is true. Fatigue after the done tour of course ...
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| julius22. 05. 2013 18:58:48 |
Jax
Congratulations on the nice tour.
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| ljubitelj gora22. 05. 2013 20:04:55 |
Someone wrote to me that our B membership applies to "free" rescue also in the western Julian Alps and part of the Carnic Alps (such an agreement) while it can go badly wrong at Stol via climbing route, if something happens and rescue is needed, GRS Austria comes.
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