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Remove suggestion that cave insurance for Expo can be gained by joining the VHO. Becka feels strongly that we should not rely on the Austrian cave insurance. One major claim by an Expo caver could permanently and hugely raise the insurance levels for all Austrian cavers because at the moment their insurance charges must be unrealistically low - online edit of handbook/paperwork.html

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Expo on server 2022-07-22 23:35:38 +01:00
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handbook/paperwork.html
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@ -48,49 +48,11 @@ unexplored caves, helicopter rescue, repatriation to the UK,
adequate reimbursement of costs incurred in coping with accident (clothing cut off a broken leg, for example).
The policy option you need (in 2018 - check for the current year!) for Snowcard is
<a href="https://www.snowcard.co.uk/activity-levels/max-adventure">"Max Adventure"</a>
which covered "original cave exploration in an area which has "organised local cave rescue". This does not seem to be available in 2019.
<p>Snowcard insurance is not available for people who are not &quot;normally resident&quot; in the UK. Attempts to find equivalent schemes for other countries have not proved successful. If this applies to you, you may wish to consider joining the local Austrian cave club (see below).
which covered "original cave exploration in an area which has "organised local cave rescue". This does not seem to be available in 2019. The BCA also has cave rescue insurance (which covers many other non-caving activities) for similar rates as Snowcard.
<p>Snowcard insurance is not available for people who are not &quot;normally resident&quot; in the UK.
<p>It is very difficult to find out whether any insurance policy actually covers expedition caving or not.
Some have complete
exclusions for, say "potholing and climbing which normally requires guides or ropes", some are less explicit.
<h3>Local Austrian cave club membership</h3>
<p>If you are a member of the local cave club then some of your rescue expenses would be covered by that club. <b>However</b> this may be a long-term committment for membership fee payment by CUCC Expo, it is not just a matter of individual choice.
<p>Once you have agreement to do this from the expo organisers, here is the form to fill in for VfH&Ouml; membership:
<a href="https://www.dropbox.com/s/2wk00itu8y2hx1l/Beitrittserkl%C3%A4rung.doc?dl=0">download</a>
from here
<a href="http://www.hoehle.at/wordpress/verein/unterstutzungsmitglied-spenden/">www.hoehle.at/wordpress/verein/unterstutzungsmitglied-spenden/</a>
and needs to be emailed to <em>hoehle (at) tele2.at </em> which goes to Robert TWC (The Wonder Caver).
<p>Cost of VfH&Ouml; membership is &euro;30 per year. There are details of how to do the bank transfer on their website
but generally Robert turns up at the dinner and cash is handed over. But do not let this informality mislead you: a renewal fee will be due every year thereafter and the expo may be responsible. To avoid this, you need to explicitly cancel your membership in writing before the end of the calendar year - email to the address above will suffice. This is why you need to understand the implications of using this mechanism to get insurance and get agreement from the expedition.
<em>
<div style="margin-left:30px">
<p>
The Austrian Speleological Association (V&Ouml;H) offers insurance for leisure time activities to their
members in cooperation with the Allianz-Elementar insurance company. All members of caving clubs within
the V&Ouml;H organisation (except Caving Club Ebensee) are automatically assured to the following conditions.
To choose a club to become a member, please visit:
<a href="http://hoehle.org/mitgliedsvereine">hoehle.org/mitgliedsvereine</a>.
<p>
Insurance sum:
<ul>
<li>Invalidity: 20.000 &euro; (for 100 % Inv.; benefit graded from 25 % invalidity)
<li>Death: 2.500 &euro;
<li>Accident costs: 40.000 &euro; (exkl. private hospitals and physicians)
<li>Search- and rescue costs: 40.000 &euro;
</ul>
<p>
The insurance is valid for all leisure time accidents, except accidents in residental areas and households. The insurance is valid world wide. The insurance sum is subsidiary with other insurances.
<p>
Invalidity: Invalidity will be paid from 25 - 100 % (no benefit below 25 %).
<p>
Exclusion of liability: Reasons for exclusion of liability are influences from alcohol or drugs, using aircrafts, air- and motorsports, explosives, war, diving (pressure chambers are not covered), expeditions in glaciated areas outside of Europe and participation at competitions.
<p>
All statements without guarantee.
<p>
Contact person for questions (also responsible for forwarding claims to the insurance company):
Thomas Exel versicherung@hoehle.org Tel: 0699/ 18 21 91 17
</em>
</div>
@ -110,8 +72,5 @@ at base camp as soon as you arrive.
This duplication is for safety and in case your <em>contactable</em> next of kin has changed address or phone number between you submitting your medical form and you arriving at expo.
<h2 id="pn">Your mobile phone number and email</h2>
<p>You will include your mobile phone number and email address in your medical record, and you will also write them into your page of the Bier Book on arrival at expo.
<hr />
</body>
<hr /></body>
</html>