I have Swiss insurance and am a member of Rega (the air ambulance people), but there are some gaps in terms of ski insurance cover. In many resorts there is an excellent service you can buy with your lift pass called Snowcare. It costs SFr 5 per day and covers refunds of ski pass, lessons and equipment hire if the slopes are closed, and costs of assistance and rescue, transport by ambulance and helicopter, medical expenses, sanitary repatriation and legal assistance. The amount is limited, but the ceilings seem reasonable, and the insurance is intended to supplement usual insurance and European Health Insurance Card provisions as applicable. It also does not cover off-piste activities. If you’re looking to switch health insurance, there are several options out there.
You can buy the card at a number of resorts, currently the list includes:
- Les Diablerets
- St Moritz
- Les Mosses
- Les Crosets
- Portes du Soleil (CH)
Incidentally, regarding Rega, they waive the costs of the rescue missions of members (annual fee: CHF 30), providing that these costs are not covered by a health or accident insurance. That is one good reason to sign up, but additionally they are a non-profit foundation who provide emergency medical assistance by air according to medical necessity and, as they put it: “to rescue, not to pass judgement on right or wrong, guilt or innocence”.