Optional supplementary insurance
The following customer information provides an overview of the insurer’s identity and the main elements of the insurance policy (Art. 3 of the Federal Insurance Policy Act, LCA/VVG/IPA). The content and extent of the rights and obligations arising from the insurance relationship are determined solely by the Insurance General Terms and Conditions of Insurance (GTCI), the personal data processing notice and the confirmation that the policy has been taken out (together, the “insurance policy”).
The insurance company is Europ Assistance (Switzerland) Assurances SA (hereinafter “the insurer”), Avenue Perdtemps 23, 1260 Nyon, Switzerland, referred to as Redion (Switzerland) Assurances SA from 01.10.2026,
with the company identification number CHE-101.333.746. Through its activity, the insurance company is subject to supervision by the FINMA (Swiss Financial Market Supervisory Authority).
The policyholder of the group insurance contract is Lauchernalp Bergbahnen AG, Dorfstrasse 80, CH-3918 Wiler (Lötschen), Switzerland. It takes out the insurance so that its customers can benefit from it in addition
when they purchase a ticket or a pass.
The insured person (hereinafter “the insured”) is the person who has taken out all or part of the insurance with the policyholder when purchasing a ticket or a pass.
The insurance policy takes effect on the date the insurance is taken out and ends when the pass is no longer valid, unless the policy is terminated earlier for a legitimate reason according to the LCA/VVG/IPA (no other
grounds for termination are accepted).
Claims arising during the insurance policy’s validity period are subject to a limitation period of five years from the occurrence of the event giving rise to the obligation.
An insured who has opted for all or part of the insurance has the right of revocation for policies with a term of one month or more. This communication must be made to the insurer in writing or by any other means that can be proved by a text. The right of revocation allows the insured person buyer to revoke acceptance of the insurance policy within 14 days of this acceptance.
The risks insured and scope of insurance cover stem from the insurance contract. With all benefits, the nature of the insurance is loss insurance.
The insurance is subsidiary to any other existing insurance cover in favor of the insured and can thus only apply for any loss for which no claim can be made against a third party.
The insured must comply fully with the following legal or contractual obligations to inform and act:
This list only covers the most common obligations. Other obligations are stipulated in the GTCI and the LCA/VVG/IPA.
To receive benefits, the insured must provide confirmation that the policy has been purchased. It is thus very important to keep this confirmation notice safely.
In the event of an accident, the assistance benefits are only valid if the resort's emergency services have been called to the scene of the accident.
The insurance does not cover:
This list only covers the most common cases of exclusion. Other exclusions are stipulated in the GTCI and the LCA/VVG/IPA.
The premium amount depends on the risks insured and the cover agreed when the insurance was taken out.
The insurance premium is paid by the insured when the insurance is taken out. It is collected by the policyholder.
If the insured has taken out all or part of the optional assistance me, the premium amount is shown in the insurance purchase confirmation.
Redion processes personal data in accordance with the applicable provisions of legislation on data protection.
Further details on processing can be found in our privacy policy. The current version of this is available at all times on https://www.redion.com/ch-en/.
The following sections present:
To find out the scope and conditions of a given benefit, we recommend that you check in the overview above if it is included in the insurance policy taken out and then read both the common provisions and any specific
provisions.
The insurance company is Europ Assistance (Switzerland) Assurances SA (hereinafter “the insurer”), Avenue Perdtemps 23, 1260 Nyon, Switzerland, referred to as Redion (Switzerland) Assurances SA from 01.10.2026,
with the company identification number CHE-101.333.746. Through its activity, the insurance company is subject to supervision by the FINMA (Swiss Financial Market Supervisory Authority).
The policyholder of the group insurance contract is Lauchernalp Bergbahnen AG, Dorfstrasse 80, CH-3918 Wiler (Lötschen), Switzerland. It takes out the insurance so that its customers can benefit from it in addition
when they purchase a ticket or a pass.
The insured person (hereinafter “the insured”) is the person who has taken out all or part of the insurance with the policyholder when purchasing a ticket or a pass.
The insurance policy takes effect on the date the insurance is taken out and ends when the pass is no longer valid, unless it is terminated earlier for a legitimate reason according to the LCA/VVG/IPA (no other grounds
for termination are accepted).
Claims arising during the insurance policy’s validity period are subject to a limitation period of five years from the occurrence of the event giving rise to the obligation.
An insured who has opted for all or part of the insurance has the right of revocation for policies with a term of one month or more. This communication must be made to the insurer in writing or by any other means that can be proved by a text. The right of revocation allows the insured person to revoke acceptance of the insurance policy within 14 days of this acceptance.
Risks insured and scope of insurance
The risks insured and the scope of the insurance cover stem from the insurance policy. With all benefits, the nature of the insurance is loss insurance.
The insurance is subsidiary to any other insurance cover in favor of the insured and can thus only apply to any loss for which no claim can be made against a third party.
Territorial Scope
The insurance is valid for the entire area of the resort issuing a pass covered by the insurance.
Obligations of the insured in the event of a claim
The insured must comply fully with the following legal or contractual obligations to inform and act:
For reimbursement of assistance benefits
Joint Institution KVG/LAMal
Industriestrasse 78
CH-4600 Olten, Switzerland
www.kvg.org – info@kvg.org
Tel: +41 32 625 30 30
As soon as the insured has received the statement of benefits from the Joint Institution, he or she may submit a claim to the insurer.
If the claim has arisen as a result of an illness or accident, the insured must ensure that the doctors treating them are released from medical confidentiality with regard to the insurer.
In the event of late notification of a claim, the insurer is not liable for any benefits that cannot be provided in good time.
Special agreements, i.e. those not governed by these GTCI, are only valid if they have been approved in writing or in text form by the insurer.
Contact details in the event of a claim
The insurer is available to the insured Mondays to Fridays from 8.30 a.m. to 5.30 p.m.
Phone: +41 (0) 22 939 22 32
Online: https://ski-ch.eclaims.europ-assistance.com/home
Address: Europ Assistance/Redion (Switzerland) Assurances SA, Avenue Perdtemps 23, 1260 Nyon, Switzerland
Infringement of obligations
In the event of a culpable breach of the obligation to notify, inform or provide the required documents, the insurer reserves the right to reduce or refuse its benefits, unless the insured can prove that their culpable
conduct had no influence on the occurrence and extent of the loss.
Acceptance of the GTCI and communication
Communication with the insured will be the responsibility of the policyholder. In particular, the policyholder is responsible for transmitting the GTCI to the insured and informing them of the main points of the contract.
By taking out the insurance, the insured confirms that they have received, read and understood these GTCI.
The following exclusions apply to all benefits of the ski pass insurance:
The premium amount depends on the risks insured and the cover agreed when the insurance was taken out.
The insurance premium is paid by the insured when the insurance is taken out. It is collected by the policyholder.
If the insured has taken out all or part of the optional insurance, the premium amount is shown in the insurance purchase confirmation.
Accident: sudden and involuntary damage to the human body caused by an extraordinary external cause entailing an inability to benefit from the pass.
Confirmation that the policy has been taken out: this is, in the first instance, the ticket or the invoice mentioning the policy or the benefit of insurance or another document certifying that this insurance has been
taken out, or its benefits.
Ski Resort area: this is a managed mountain area where alpine sports can be practised, and which has a ski lift
system. It includes at least one group of ski runs for the winter season and a resort. It is characterised by a right of access requiring a ski pass, which allows the use of all or part of the open runs in the resort area.
Domicile: the insured's principal and usual place of residence.
Pass: a a ski pass (or a ticiet, or an abonnement) for at least one area of the issuing resort located at least partly in Switzerland and for which the insured benefits from all or part of the ski pass insurance. The pass must
be valid for a certain period.
Off-piste: areas that are not accessible through the force of gravity and/or are not groomed by the resort
management or designated as being available for the practice of an alpine sport.
Illness: physical, mental or psychic damage to health that is not caused by an accident and results in an ina-bility to benefit from the pass.
Period of insurance: from the date the insurance is taken out until the pass ceases to be valid, unless the insured terminates it early for a legitimate reason according to the LCA/VVG/IPA.
Accompanying person: the person remaining at the insured’s bedside.
Open run: the runs in the resort area, including areas authorised by the resort for "off-piste" activity.
Close relative: the insured’s partner, children, parents, brothers, sisters, grandparents, grandchildren, parents-in-law and partner’s children.
Alpine sport: a sport that can be practised in the resort's area, requiring the use of the resort's ski lifts.
The insurer will not provide cover, payments, services or other benefits if this could expose it to sanctions, prohibitions or restrictions in application of United Nations resolutions or economic sanctions, laws or
regulations of the European Union, the United States of America, the United Kingdom, France or the Swiss Confederation. Furthermore, no payments will be made by the insurer in US dollars.
More information is available on https://www.redion.com/international-regulatory-information/.
As an exception to any other provision, the territorial coverage shall exclude the following countries and territories: Belarus, Iran, North Korea, Syria, Russian Federation, Crimea Region, Donetsk Region, Kherson
Region, Luhansk Region and Zaporizhzhia Region.
The insurer may not be held responsible for any failure to perform services because of force majeure, such as a country being in a state of war or civil war, known political instability or civil commotion, riots, acts of terrorism, retaliation, restrictions on the free movement of persons and goods, strikes, explosions, natural disasters, volcanic eruptions, disintegration of the atomic nucleus, epidemics, pandemics and any other event classified as force majeure.
The insurer processes personal data in accordance with the applicable provisions of legislation on data protection.
Further details on processing can be found in our privacy policy. The current version of this is available at all times on https://www.redion.com/ch-en/.
This insurance is governed by Swiss law. The courts of the Swiss domicile of the policyholder or the insured, and the courts of the insurer's registered office, will have jurisdiction over any disputes arising from this insurance.
The provisions of the Swiss Federal Insurance Policy Act (LCA/VVG/IPA), the Swiss Code of Civil Procedure (CPC), the Swiss Code of Obligations (CO) and all other relevant laws and regulations will also apply.
1. Insured events
The insurer provides the insured with assistance cover for accidents occurring on the open runs requiring the intervention of the resort's emergency services, or within the thermal bath area, provided that admission to thermal baths is included in the pass.
2. Benefits provided
Search and rescue costs
The insurer will contribute to the costs of search and rescue operations on the open runs (or within thermal baths included in the pass) carried out by the resort's emergency services, up to the amount stated in point 2 in the overview of benefits.
Only costs invoiced by a company officially recognised for these activities can be reimbursed.
Transport costs
The insurer will pay the costs of transport by ambulance or helicopter from the open runs (or from thermal baths included in the pass) to the nearest hospital in Switzerland, up to the amount stated in point 2 in the
overview of benefits.
Emergency medical costs
The insurer will pay emergency medical costs in Switzerland up to the amount stated in point 2 in the overview of benefits, provided that they are not covered by private or public health or accident insurance.
Medical repatriation costs
The insurer will pay the actual costs of repatriation of the insured to their domicile, provided that the insured has had recourse to emergency medical treatment on site within the meaning of the emergency medical expenses cover indicated in point 3.2.2.
Provision of a driver
The insurer will provide the insured with a driver for the repatriation of their vehicle if the insured is unable to drive it following an insured event.
Compensation for an accompanying person
If an accompanying person remains at the insured's bed-side following an insured event, the insurer will reimburse the following items on a pro rata basis, up to the amount shown in point 2 in the overview of benefits:
Legal costs
The Insurer will provide the insured with insurance cover if, as a result of an insured event as per Art. 3.2.1, the insured is a party to criminal or civil proceedings. The Insurer will pay, up to the amount indicated in the
overview of benefits under point 2, the legal costs, fees and expenses of a lawyer or any other suitably qualified person authorised to represent the insured in court by the law applicable to the proceedings (‘legal
costs’).
In addition to the general exclusions and the basic conditions for insurance benefits, the following specific exclusions apply:
