What sports do we consider to be common

Your travel insurance always covers regular leisure and beach sports and your stay or movement at an altitude of up to 3,500 m above the sea level.

  • aerobic, aqua aerobic
  • badminton
  • basketball
  • cycling and MTB (except for downhill)
  • fishing (including boat fishing)
  • floorball
  • football
  • football-tennis
  • golf
  • hiking or trekking up to the UIAA1 level of difficulty without using climbing gear
  • horseback riding or camel riding – as a leisure activity withina resort
  • in-line skating
  • kayaking, canoeing up to WW1 and WW2 levels of difficulty
  • minigolf
  • quad bikes off roads – as a leisure activity within a resort
  • rafting, WW1 and WW2 levels of difficulty
  • running (road, cross-country running)
  • snorkelling
  • squash
  • summer bob-sleigh riding
  • swimming, including winter swimming
  • table tennis
  • tennis
  • via ferrata, A and B levels of difficulty
  • volleyball
  • water sports – as a leisure activity within a resort – water skiing, scooter or banana riding, parasailing
  • windsurfing, surfing
  • yachting within 3 km from the mainland
  • and other sports involving a comparable degree of risk

What sports do we include among winter sports

The basic insurance or its extension may also include winter sports, on designated routes and at dedicated places, at the altitude of up to 3,500 m above the sea level. Winter sports include, without limitation:

  • bob-sleigh riding
  • cross-country skiing
  • mono-skiing
  • skibobbing
  • skiing
  • sledging
  • snowboarding
  • snowbungeekayaking
  • snowtrampoline
  • snowtubing
  • and other sports involving a comparable degree of risk

What sports do we regard as hazardous

The basic insurance or its extension may also include hazardous sports and any stay or movement at an altitude of up to 5,000 m above the sea level.

We also regard as hazardous your one-off participation in a sport competition organised by a school, sports organisation or interest group.

Competitions organised with a view to achieving special sporting results are assessed on a case-by-case basis. Please contact us; we will be happy to tell you which category your sport falls into.

If you are a professional athlete, a hazardous sports insurance will not be sufficient. Do not hesitate to contact us so that we can address your insurance on an individual basis.

Hazardous sports include, without limitation:

  • acrobatic dancing
  • ballooning
  • bungee jumping
  • canyoning
  • cyclo-cross
  • diving with self-contained breathing apparatus down to a depth of 40 m
  • downhill biking in difficult terrain
  • equestrian sports with the exception of horse racing
  • hiking or trekking (mountain climbing) up to the UIAA3 level of difficulty with the use of appropriate climbing gear
  • ice chute bob-sleighing and sleighing
  • kayaking, canoeing at the W3 level of difficulty
  • motor sports on snow, ice or water – as a leisure activity
  • off-piste skiing and snowboarding
  • paragliding
  • powerkiting
  • rafting, WW3 level of difficulty
  • skialpinism (on skis and splitboards)
  • tandem parachute jump
  • via ferrata, C level of difficulty
  • yachting within 3 to 30 km from the mainland
  • and other sports involving a comparable degree of risk

What sports do we insure only on an individual basis

This category includes any professional sports activity and participation in sports competitions incl. training for such events.

Further, it includes any stay or movement at altitudes above 5,000 m above sea level, and extreme sports not mentioned above, for example:

  • aviation sports (hang gliding, sailing, acrobatics)
  • car racing or preparing for such races
  • heliskiing
  • kayaking, canoeing above the W3 level of difficulty
  • martial arts and sports
  • rafting above the WW3 level of difficulty
  • via ferrata, D and E levels of difficulty