Best Ski Travel Insurance

Medical Expenses

If the insured is injured during skiing and needs to be taken to the hospital, the medical expenses involved will be covered by the insurance company. However, it is important to note that the medical expenses must be incurred by the insured within 180 days from the first injury. In addition, many insurance companies such as Starr, MSIG and FWD also provide overseas hospital cash allowances to fund the daily expenses of the insured.

Personal Accident

If the insured is injured during skiing, and resulting in death, total permanent disability or loss of any major body organ or part within 12 months of the accident, the insurance company will pay out a percentage based on the severity of the injury. The maximum compensation amount ranges from HK$500,000 to $1,500,000.

Follow-up Treatment

If the policyholder is injured during skiing, and a follow-up treatment is required within 90 consecutive days after returning to Hong Kong or within 90 consecutive days after the policy has expired, (whichever earlier), the cost incurred will be covered by the insurance company.

However, the insured must have received the first medical treatment outside Hong Kong. In addition, some insurance plans will cover the cost of follow-up consultations by registered Chinese medicine practitioners / bone-setting / acupuncturists or physiotherapists referred by doctors.