In the spring mid-term break you can take hundreds of thousands of Dutch people to the mountains for a ski or snowboardvakantie. It’s already an expensive holiday can be even more expensive if your skis are damaged, or you’re after an unfortunate accident with a ‘banana’ (a stretcher, in the snow of the mountain, up and down. How can you, according to the experts, it is best to make sure a worry-free week in the Alps?

it is the only health insurance
It is a law that all health insurance companies in the Netherlands as from the insurance policy of emergency medical care in foreign countries have to pay for it. However, with just a basic policy if you are not up for all the medical expenses incurred abroad is covered by insurance. The insurer pays only the statutory rate.

“well, Suppose you move your arm up and that’s in the uk of 3,000 euros costs,” says insurance consultant, the Ronald Over by the insurance company Allianz. “As a skiongeluk in Austria, it would be a good chance that you are in a banana, or a helicopter to the track will be removed and taken to a private hospital, is established. Since it costs the same to treatment to 10,000 euros. From the insurance policy, you get 3,000 euros in compensation and that other thousand-up to you to pay.”

For all the medical expenses to be compensated to get it, you can do two things: get a supplementary to your basic health insurance to shut down, or travel insurance. Additional health insurance is often only interesting if you care to use, such as an alternative forms of medicine, or additional physical therapy. “But these days you can also the packages from a few dollars per month for calls, which is specifically for medical expenses in the foreign country pay,” says verzekeringsexpert Bass, Knoppert from the comparison site Independer.

Is it just the medical expenses that you need during your holiday, it would be able to make it, so it would be best to have a travel insurance to choose from. You can also for a short period of time, shut it down, while health insurance for a full year it is still valid.

Take out a travel insurance with wintersportdekking < / p> you can Find recommend holiday makers to take out travel insurance with cover for medical expenses and home. “It’s a combination which is extremely important, as Management will not receive compensation if you make a mistake will have received during high risk sports, such as skiing. This is only possible with extensive coverage of the winter sports.”

you can purchase travel insurance with cover for winter sports, will reimburse, in addition, also (in part) to any other charges, such as extra nights accommodation or the hire of replacement skis or a snowboard, if there is something happening with your own equipment. Also, the costs for passes and prepaid ski lessons can be arranged where you are unexpectedly not able to make you get back in return.

What if, your skis are stolen, or break down?

also, Not all travel insurance will reimburse you a standard ski or snowboard, if that is stolen or damaged in transit. For some the insurance you will need a separate module for the left to quit, and at others to the left by default, included. Take the policy on.

if you are Renting on-site equipment, such as skis, a snowboard, or a helmet? You have to pay for the car rental company is always a guarantee. You’ll hit the equipment are lost or want to cause you harm, then it pulls up the owner, who takes charge of your security deposit down. “If the deposit is not sufficient to cover the damages, to cover a charge for any costs that are in there out, come in,” says Knoppert.

finally, it recommends you Find a travel insurance policy to choose the modules that you have every month, and you can switch off. “I think that’s very dangerous. You need to be constantly self-monitor, or that are still in good standing. Suppose that you forget what it is. That can give you a lot of money.”