Insurance for rescue/search from inaccessible terrain It covers all leisure activities and sports except for the following eight exceptions, which are performed off‑track in open terrain, including participation in hobby sporting competitions and while on vacation (including water activities such as diving to 40 m, swimming, rafting, surfing, canyoning). The exclusions for treatment are listed here. Coverage for treatment/hospitalisation abroad applies to each trip abroad for the first 8 weeks (56 days). Coverage for rescue from inaccessible terrain abroad is provided year‑round and is not limited by the number of days since departure from the home country.
The insurance coverage is valid worldwide, including for interventions by the mountain rescue service. The insurance for the membership year 2026 is established after paying the annual fee and ends on January 31, 2027. The insurer of Alpenverein members is GENERALI insurance company.
Year-round, worldwide, during leisure time; Rescue costs are those costs incurred by local rescue organisations (including the costs of rescue organisations from the neighbouring country in the event of incidents near borders), which are necessary if the insured party has an emergency/accident or must be rescued from mountain or aquatic distress or from off-road terrain, either injured or uninjured (the same applies accordingly in the event of death).
It applies during the first 8 weeks (56 days) of each trip abroad for the costs of urgent, necessary medical treatment—including medication prescribed by a doctor—and for essential medical transport to the nearest suitable hospital, up to € 10,000. From that amount, € 2,000 is allocated for outpatient care, including prescribed drugs. When receiving hospital treatment, you must present the European Health Insurance Card (EHIC) and contact Europ Assistance. If you travel to a country (e.g., the United States, Turkey, the Canary Islands, Australia) where the € 10,000 limit may be insufficient, you can purchase additional coverage for a higher sum.
It applies during the first 8 weeks (56 days) of each trip abroad. The costs for medically justified transport of a sick person from abroad to a hospital in the home country (repatriation) are covered for the insured individual and also for a close accompanying person, without any limit on the amount.
If you cause damage to another person – coverage includes the obligation to compensate for injuries to health and property damage up to € 3 million. The deductible (co‑payment) for property damage is € 200.
If someone causes damage to you – the insurance protection covers the cost of your lawyer’s advice up to € 500 when you pursue a claim for compensation after an incident that resulted in personal injury.
Insurance protection applies from the moment criminal proceedings begin, starting with the indictment in court proceedings and from the first prosecutorial act in criminal cases before administrative authorities.
Professionals, aviation, and motor sports
