(Advertising) For all those who like to travel frequently and in high altitudes, safety is paramount. Almost all accidents that can occur when hiking in the high mountains, are avoidable, provided the tour is sufficiently prepared and you in the Bergen does not behave recklessly.
However, as unforeseen situations can occur, it is important that you cover yourself in case of need - and that does not just mean that you do right equipment packing for the tour. Also, the appropriate insurance that protects you - or your loved ones - in case of emergency at high cost, you should definitely complete before you break into the mountains. We explain how to avoid danger on the mountain and to protect yourself with proper preparation.
Before it starts: Take out insurance
Unfortunately, accidents in the mountains are not uncommon. Even experienced mountaineers now and then get into dangerous situations. Indeed every third top mountaineer dies fatally on the mountain. However, this can not be transferred to the normal hobby climber, because it is true: the more extreme the tour, the higher the risk. Simple hobby hikers and climbers who limit themselves to tours that suit their abilities should not be unnecessarily frightened for that reason. The Accident statistics of the German Alpine Association show: The number of fatal mountain accidents among members is currently lower than ever. However, the trips to the mountains should not be taken lightly: the number of recoveries of injured or lost mountaineers reaches a new high. And the use of mountain rescue can cost you or your family a lot. In case of cases, insurance is therefore essential.
The extent to which you should protect yourself depends on how often you travel in the high mountains and how risky your tours are. Basically, there are four types of insurance that are suitable for hikers in the high mountains:
- private accident insurance
- Short-term policy
- Travel insurance
- Term life insurance
When does which insurance apply?
Due to their very high contributions, short-term policies can only be considered to hedge a single hike. The private accident insurance and hiking tours outside the EU a foreign travel insurance, however, are recommended for those who always make holidays in the mountains. Because statutory and private health insurance companies only pay for rescue missions, which are medically necessary, This means: If you run away, have a blockage or you just sprained the ankle, the health insurance does not cover the costs. Exactly these situations are by far the most common reasons for a rescue mission. So if you want to make sure that your salvage and treatment costs incurred in Germany or abroad are covered, a private accident and possibly a travel insurance are absolutely necessary.
tip: Alternatively, you can also the Join German Alpine Club, which provides worldwide insurance coverage for accident victims. The contribution fee is between 45 and 90 euros.
Anyone who pursues climbing or mountaineering as extreme sports and regularly exposes themselves to serious dangers should think twice, in addition to a term life insurance at a reputable provider complete. This is especially advisable if you have a partner and children who would not be sufficiently financially secure in the event of death.
Predict and avoid dangers
Of course it is best if you do everything not to get yourself into a situation in which an insurance comes into play. Most accidents that occur in the high mountains can be prevented if you know the dangers and can handle them. These include:
- rough, difficult terrain
- bad weather
- lack of experience
We can not stress the last point enough. Many want too much too fast and think they can compensate for the lack of experience with high quality equipment.
Especially beginners should start with easy routes and not put the summit as their goal on the first tour. Never go alone. It is also important to keep a close eye on the weather forecast for the area in question, to plan each tour sufficientlyand to allow enough time for breaks. In case of doubt, you should rather start a few hours earlier, so as not to be surprised by the onset of darkness and to have a buffer, if you have to take unforeseen breaks, for example because of the weather.
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