Cost coverage
Notifications, claims assessment and invoice settlement
- Notification of rescue operations carried out
- In order to assist the rescue effort – which may be carried out by a
ski patrol, the mountain rescue service or the helicopter rescue service – in the best
possible way, we keep all our communication channels open at all times. Notifications can
therefore be made by logging into the user area of our website, or by e-mail, fax or even
by regular mail. It is important to provide the minimum required information about the
incident and the rescued person.
- In simple terms, this means indicating who was rescued where, when,
why and by whom, as well as the ski lift pass number of the rescued person.
- We will provide the relevant documents and process forms already
used by the various rescue organisations.
- Automatic, electronic synchronisation of data is also possible.
- Once the notification arrives, it is assigned to an Alpgarant claims
manager. Which claim manager the case is assigned to depends on two factors: the
nationality of the injured person – to ensure that the claims manager and the guest speak
the same language – and the location in which the incident took place. The claims manager
will process the case from beginning to end and will continue to be at the guest's
disposal afterwards for various assistance services.
- Claims assessment
- In this step we first verify whether the rescued person is in
possession of a valid and registered pass number on the day of the incident. If further
clarification is required, our claims manager will contact the rescue organisation or the
rescued person and complement the documents. Once all the required coverage and
settlement information has been received and verified, we will make payment to the
relevant rescue organisation(s).
- Invoice settlement
- Alpgarant makes payment directly to the rescue organisations that
carried out the rescue. All received invoices for operations/services which have been
given cost clearance are settled on two payout dates every month. As stipulated in the
contract, Alpgarant bears the rescue costs of up to a limit of EUR 4,500* per person.
Alpgarant does not incur waiting times for any bureaucratic coverage assessments with
possible other insurance providers. This means, in the best-case scenario, the remittance
order can be made within one day of the rescue.
- * or more in cases of hardship
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