Skiing accidents abroad: How to avoid expensive insurance gaps!

Skiing accidents abroad: How to avoid expensive insurance gaps!

More and more holidaymakers are drawn to the winter mountains, where skiing is one of the most popular sports. But this joy can quickly turn into disillusionment: skiing accidents abroad can cost several thousand francs. This poses a serious problem for many holidaymakers affected, especially if their insurance does not cover the costs. In the program “Kassenrutsch” those affected report on their experiences and warn of possible insurance traps that hide financial risks at the crucial moment. The show will be broadcast today, October 21, 2025, at 9:10 p.m. on SRF 1 and is also available on Play SRF, like SRF reported.

The average cost of a skiing accident is around 7,900 euros, making skiing accidents one of the most financially consequential sports injuries. In fact, one in five accidents occurs while skiing, making skiing the most injury-prone sport after football. For this reason, it is essential for winter sports enthusiasts to have comprehensive insurance to prevent unpleasant surprises. Loud GDV Holidaymakers should pay particular attention to the following insurance:

Important insurance for winter sports enthusiasts

• Private Unfallversicherung: Diese Versicherung mildert die finanziellen Folgen durch Einmalzahlungen und Rentenleistungen und übernimmt Kosten für Bergungs-, Such- und Rettungsleistungen sowie den Transport.
• Auslandreisekrankenversicherung: Deckt höhere Behandlungskosten im Ausland und übernimmt auch Krankenrücktransporte.
• Privathaftpflichtversicherung: Diese Versicherung sichert die finanziellen Folgen für Verursacher von Schäden ab und ist in Ländern wie Italien und Südtirol auch gesetzlich vorgeschrieben.

In addition to these insurances, winter sports enthusiasts should regularly check the insured amount of their accident insurance to ensure that they and all skiing family members are adequately covered. Adult children in particular may need their own insurance coverage. It is also important that statutory health insurance only covers medically necessary helicopter operations, which is why international health insurance is strongly recommended.

The program “Kassenrutsch” not only highlights the financial aspects of skiing accidents, but also highlights the most common insurance pitfalls and gives tips on how to avoid cost pitfalls. For example, planned costs for tickets to popular attractions such as the Eiffel Tower, which are often more expensive via platforms such as Get your Guide than directly via official channels, can also represent an unexpected financial burden. For example, a ticket on the platform costs 125 euros compared to the regular 36 euros.

Overall, it shows that good preparation and awareness of possible risks are essential in order to enjoy a carefree winter holiday. Checking insurance coverage in a timely manner can help avoid cost traps and maximize your own safety.