View Full Version : Excluded
Mumster
10-10-2003, 08:58 PM
I was looking at health insurance for supplemental coverage for "ANY type of accident" in case I wrecked myself while :skifemcool: . There were only about 6 exclusions...mostly for moral stuff...
1. If injured while committing a felony, 2. If you crash a car you stole...,
3. Injured self, on purpose to collect, ...really ridiculous stuff.
I was nabbed on the last two exclusions - 5. Mountaineering, (even if ropes, etc aren't necessary) and
6. "structured racing"
Can you believe the only peoeple they exclude from this insurance are mass murders and people like us? :( Lion tamers can get better insurance coverage than we can...
And, I'm SUCH a docile soul...guess I'll just have to risk it ... :skiplow:
Mumster, joining the American Alpine Club gets you rescue insurance at no extra charge. That includes helo evac! If you go to high altitude (>18,000ft), you'll have to pay a small fee for the high altitude ryder.
Blue Cross Blue Shield PPO covers the person injured while engaging in non-professional competitive recreation. HMO coverages are the pits..paying extra for the real deal is always better!
TheOctopus
10-12-2003, 07:04 PM
Ugh -- insurance, especially health insurance....
I'd bet you can get around the "mountaineering" exclusion should something happen to you doing the activities most of us are engaging in here. Although the definition in your policy seems a bit odd -- I'd always understood mountaineering to have a technical aspect to it: some kind of protection must be involved. For example, I wouldn't have ever called going up the Coca-Cola route on Kili "mountaineering," and I hadn't ever heard anyone I know who has done it call it that. Same with what most folks do on the Rockpile.
Anyway, if you get a booboo, just remember, you were "backcountry skiing" and "hiking."
As for the racing.... Not much I can think of to get around that. Unless you're doing skiercross -- that hardly looks "structured!"
Mumster
10-12-2003, 08:08 PM
RR:
Mumster, joining the American Alpine Club gets you rescue insurance at no extra charge. That includes helo evac! If you go to high altitude (>18,000ft), you'll have to pay a small fee for the high altitude ryder.
Blue Cross Blue Shield PPO covers the person injured while engaging in non-professional competitive recreation. HMO coverages are the pits..paying extra for the real deal is always better! We already have the BC/BS PPO, but the hubby gets paranoid about my recreational activities. So, I'm keeping an eye out for extra policies that would reassure him.
His preference is that I just abstain from everything fun ...not likely :skiplow: .
Skilasnow
10-13-2003, 11:57 AM
My Tufts plan didn't blink an eye when I sliced my leg open skiing in France... and because of the delay in getting reimbursed and the change in exchange rates I actually made a profit. :D
Bannick
10-13-2003, 08:23 PM
My old provider gave me grief and upped my rates because I used to live in whistler and I snowboard in the back country. They were way underhanded about finding the info out too. They asked my my former address...whislter...."oh whistler do you ski or snowboard? Cool snowboarding looks hard....do you do tricks and jumps? Ever go into the backcountry? Wammo I think it was like a 30% difference in the quoted rate.....
I have a new provider now....
BladeGirl
10-14-2003, 09:43 AM
What is "structured racing"? I can see not being covered if you are racing a car or motorcycle, but where do they draw the line? Surely it does not exclude foot races from coverage( e.g. Marathons)? Does the policy go into any more detail about that and "mountaineering?"
Our former HMO coughed up $10,000 when my hubby broke his leg (tibia and fibula) skiing in Chile (ultimately leading to his becomming bladeguy because of the decreased stress on his leg with the blades, but that's another story) but it took them four months and a threat to the HMO's VP that we would contact the Attorney General's Insurance Fraud division before they did it.
-BG
Jolly J
10-14-2003, 10:13 AM
BladeGirl:
(ultimately leading to his becomming bladeguy because of the decreased stress on his leg with the blades, but that's another story) This comment kind of got me thinking. The majority of tib/fib fractures I deal with in a year. Almost all of them were wearing blades. With skis, if the bindings are set properly release and thus should cause less strain on the leg. When a blader falls and rolls on his/her side they tend to roll but the blades don't leaving a nasty boot top fracture. I was just wondering if this theory is true or have I completely missed the beer truck...
edit to add --> I can understand the blades being lighter and weight having to to put less strain on the legs. Also we have some blades in our rental stock that are made by Head and have real bindings on them. I think they sold most of them off as they aren't as "cool" as the real Snow Blades.
TenSeven
10-14-2003, 10:54 AM
I would think that leverage would have a lot to do with it Jolly. A longer, heavier ski would release faster and with less force than a short, light blade. N'est pas?
Jolly J
10-14-2003, 11:25 AM
Welcome to TMC 10-7!
TenSeven
10-14-2003, 11:32 AM
Thanks Jolly. I'd also like to thank my broken collarbone which gave me so much time to do nothing but sit on my :bum: and file posts. I truly never thought I'd get here.
Rounds on me. I hope the girls saved a spot on their dancecards for me.
Frankontour
10-14-2003, 01:52 PM
Welkomm 2 da TMC, Tenseven !
I hope that your collarbone is going better now !!
(ouch)
I drink a http://timefortuckerman.com/ubb/Avatars/ztonymug.jpg to you !!
Mumster
10-14-2003, 02:07 PM
BladeGirl:
What is "structured racing"?
-BG BG - It's any formal, organized race. Personally, I think spur-of-the-moment races may be riskier, but that's not what their data shows (or maybe it's too hard to prove it was a race if it isn't formalized)
Anyway, the whole thing is freakin' annoying. All of a sudden, the hubby is in a panic about my :happyhiker: , :skiplow: vices. I'm beginning to think he was traumatized when he saw my 600 foot fall down Mt Hood. Extra insurance might reassure him...
Tenseven, welcome. And, congratulations. Don't forget to check the TM club section to learn about new member etiquette.
Bannick
10-14-2003, 02:26 PM
Mumster:
All of a sudden, the hubby is in a panic about my :happyhiker: , :skiplow: vices. I'm beginning to think he was traumatized when he saw my 600 foot fall down Mt Hood. Extra insurance might reassure him...or perhaps he has other motives????? :eek: :eek:
Mumster
10-14-2003, 02:29 PM
Like what? Live like a king on my insurance money? lol, I don't think so.
Bannick
10-14-2003, 05:12 PM
I thought that was why you took out insurance...so that your loved ones can party hard in your memory......
Mumster
10-14-2003, 05:57 PM
Bannick:
I thought that was why you took out insurance...so that your loved ones can party hard in your memory...... We have three teenagers - He'd be too busy acting as a transport service to party if something happened to me...
But soon those teenagers will be driving...
scarey thought huh?
Mumster
10-14-2003, 08:00 PM
DMC:
Actually, my daughter drives. And you are right - teaching her to drive was MUCH scarier than skiing tucks. :eek:
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