Public Liability Insurance.
Separately**, different premiums are delineated according to the situation of the ski resort and the different amount of insurance required.
It mainly covers the personal and property damage of a third party caused by the negligence or negligence of the ski resort.
Note that the premise of compensation here is that the ski resort is liable, otherwise the ski resort should not be compensated, and the insurance should not be compensated.
When the ski resort should bear the liability for compensation, the lawsuit will be filed, dragged to the insurance company, and the court judgment will come.
If the ski resort is awarded compensation, then insurance is in lieu of compensation.
If the ski resort is not held liable, then the ski resort does not have to pay for it, and the insurance does not pay for it.
Pay attention to whether the insurance company can cover the lawyer's fees as well.
Explanation, under normal circumstances, the accident insurance purchased does not pay for skiing, skiing, skiing, !!
If you hit someone else, you get hit by someone else, and the insurance doesn't care.
It is much better to buy separate ski insurance and travel insurance in advance than to fight a lawsuit afterwards.
Key points to choose ski insurance.
1. Accidental death and disability
Disability compensation is based on the actual disability level, a certain percentage of the sum insured, accident insurance to buy a high sum insured.
2. Accidental medical insurance
The frequency of use of this place is very high, it is said that the end of the ski is orthopedics, try to choose the insurance that covers the liability outside the medical insurance, the majority of the head costs are broken there, and you must be able to pay for all kinds of bone nails, steel plates, etc.
3. Emergency medical evacuation and repatriation
In the event of an accident, the cost of emergency rescue and transportation back to the country is recommended to choose to bring this item when skiing abroad.
4. Third Party Liability Personal Liability
That is, the injury caused to others or things needs to be compensated, such as hitting and injuring people in the snow resort, breaking other people's boards and requiring compensation, etc.
There are three similar products to choose from.
Domestic skiing - Ping An Winter Dream Ski Accident Insurance
Domestic Skiing - AXA Excellence Traveler Travel Accident Insurance
Skiing abroad - AXA Zhixing Tianxing Travel Accident Insurance
Here's what to expect for the most common medical accidents:
First of all, distinguish between what is in social security and what is outside social security.
Social insurance is the medical expenses in the medical insurance catalog, and outside the social insurance is the medical expenses outside the medical insurance catalog, commonly known as self-financed drugs.
What is safe is only to be compensated within the social security, and AXA's can be compensated outside the social security.
It is the specific compensation items, which generally include bed fees, surgery fees, drug fees, nursing fees, inspection fees, special examination fees, ambulance fees and other expenses.
Surgical fees, including operating room fees, anesthesia fees, surgical monitoring fees, surgical auxiliary fees, material costs, disposable supplies, intraoperative medication fees, surgical equipment fees, excluding biopsy, puncture, imaging and other traumatic examinations and **sexual surgery.
The cost of the bed, the cost of medicine, well understood.
* Fee refers to the cost of technical labor and the use of medical equipment, as well as the cost of consumables, including injection fees, machine therapy fees, physiotherapy fees, blood transfusion fees, oxygen transfusion fees, etc.
However, the fee does not include physics, TCM physiotherapy and other specialities, such as electrotherapy, magnetic therapy, massage, acupuncture, cupping, etc.
Examination fees, including examination fees, X-ray fees, electrocardiogram fees, ultrasound fees, electroencephalogram fees, endoscopy fees, blood, urine, and stool routine examination fees.
Special examinations** include CT, ECT, color ultrasound, movable tablet, Holter ECG, ECG monitoring, intervention**, PCR, extracorporeal lithotripsy, hyperbaric oxygen, extracorporeal radiofrequency, MRI, hemodialysis and other large-scale and high-cost examinations** project fees.
At the same time, there is no compensation for nutrition expenses, ** fees, assistive device fees, cosmetic surgery fees, restorative surgery fees, dental plastic surgery fees, dental restoration fees, dental prosthesis fees, transportation expenses, food expenses, and lost work expenses.