Srpski
What you get with BERG
Open any benefit page to explore the details.
Examples of Coverage – Overview Table
The example appears when you click on the corresponding row in the table.
- Examples of leisure-activity pursuits: ski-touring, freeride, mountain biking, rock climbing, hiking, running, rafting, surfing, diving to 40 m, and others.
- Rescue operation by mountain services or other rescue units worldwide, including the home country.
- Use of rescue techniques such as a helicopter, off-road vehicle, etc.
- Rescue, search, and extrication in an emergency situation, even if you are not injured but your life is at risk.
- Emergency medical care, including doctor-prescribed medication and transport to the nearest suitable hospital, is covered up to €10,000.
- Of that amount, €2,000 is allocated for outpatient care, including prescribed medicines.
Transportation back to your home country is covered without limit for both you and a close companion who accompanies you, under defined medical conditions.
- Coverage includes the obligation to compensate for damages caused to health and property, up to €3 million.
- Deductible for property damage is €200.
Legal expenses (experts, interpreters, court fees, etc.) are covered under the policy conditions.
Year-round, worldwide, during leisure time; Rescue costs are those costs incurred by local rescue organisations (including the costs of rescue organisations from the neighbouring country in the event of incidents near borders), which are necessary if the insured party has an emergency/accident or must be rescued from mountain or aquatic distress or from off-road terrain, either injured or uninjured (the same applies accordingly in the event of death).
Complete terms > Rescue operations from off-road terrainIt applies during the first 8 weeks (56 days) of each trip abroad for the costs of urgent, necessary medical treatment—including medication prescribed by a doctor—and for essential medical transport to the nearest suitable hospital, up to €10,000. From that amount, €2,000 is allocated for outpatient care, including prescribed drugs. When receiving hospital treatment, you must present the European Health Insurance Card (EHIC) and contact Europ Assistance. If you travel to a country (e.g., the United States, Turkey, the Canary Islands, Australia) where the €10,000 limit may be insufficient you can purchase additional coverage for a higher sum.
Complete terms > Medical treatment abroad and transportIt applies during the first 8 weeks (56 days) of each trip abroad. The costs for medically justified transport of a sick person from abroad to a hospital in the home country (repatriation) are covered for the insured individual and also for a close accompanying person, without any limit on the amount.
Complete terms > Transport of a sick person from abroadIf you cause damage to another person – coverage includes the obligation to compensate for injuries to health and property damage up to €3 million. The deductible (co-payment) for property damage is €200.
If someone causes damage to you – the insurance protection covers the cost of your lawyer’s advice up to €500 when you pursue a claim for compensation after an incident that resulted in personal injury.
Complete terms > European third party liabilityInsurance protection applies from the moment criminal proceedings begin—starting with the indictment in court proceedings and from the first prosecutorial act in criminal cases before administrative authorities.
Complete terms > European criminal law legal protectionExclusions – Rescue Operations
Simplified list:
- Air/ fly activities
- activities 6,000 m above sea level
- Activities performed in the course of a profession
- Motorsport activities
- The complete list of exclusions for rescue operations is available here.
Exclusions for repatriation and medical treatment
- The complete list is available here.
Current fees are listed on the Pricing page
The insurance coverage is valid worldwide, including for interventions by the mountain rescue service. The insurance for the membership year 2026 is established after paying the annual fee and ends on January 31, 2027. The insurer of Alpenverein members is GENERALI insurance company.
Insurance for rescue/search from inaccessible terrain covers all leisure activities and sports except for the following eight exceptions, which are performed off-track in open terrain, including participation in hobby sporting competitions and while on vacation (including water activities such as diving to 40 m, swimming, rafting, surfing, canyoning). The exclusions for treatment are listed here. Coverage for treatment/hospitalisation abroad applies to each trip abroad for the first 8 weeks (56 days). Coverage for rescue from inaccessible terrain abroad is provided year-round and is not limited by the number of days since departure from the home country.
Useful Links
Order membership with Alpenverein insurance.
Alpenverein insurance certificate
PDF - Certificate of Liability in Italy
Insurance conditions
Duration of insurance
The insurance cover is guaranteed provided that the ongoing membership fee is paid prior to any event resulting in a claim. An exception applies every January: if any event resulting in a claim occurs during this period and if the fee for the respective calendar year has not yet been paid, such a claim will only be honoured if the fee is then paid and if the membership fee for the previous year was also paid. If the fee is paid after 31 January, insurance protection begins with the first minute of the day following the date on which the fee was paid. New members who join after 1 September of any year also count as being insured up to 1 January of the following year, although no membership fee is charged for this period.
What should be done in the event of an insurance claim?
Note: before repatriation, transport, in-patient medical treatment abroad or
transport within the country of main place of residence (not in event of rescue), you must contact
the 24h emergency service (or max. EUR750 will be compensated):
Europ Assistance,
tel: +43/1/253 3798, fax +43/1/313 89 1304, email: aws@alpenverein.at
In the event of rescue, repatriation, transfer and medical treatment, please send a claim form to:
KNOX Versicherungsmanagement GmbH,
Resselstraße 33, 6020 Innsbruck,
T +43/512/238300-30, F +43/512/238300-15,
M AV-service@knox.co.at
In case of liability and legal expenses, please send a
claim form to:
KNOX Versicherungsmanagement GmbH,
Resselstraße 33, 6020 Innsbruck,
T +43/512/238300-30, F +43/512/238300-15,
M AV-service@knox.co.at
Damage claim forms are available online, see:
www.alpenverein.at/versicherung
Who is insured?
All members of the Österreichischer Alpenverein who pay their membership fees for the current
insurance period are insured. Non-fee-paying members such as children and young people without an
income up to the max. age of 27, both of whose parents are mem- bers (or one of whose parents is a
member in the case of single parents), are fully insured provided that they are registered with the
association and therefore have a valid membership card. Members of the Alpenverein whose main place
of residence is outside Austria or who are foreign nationals are also fully insured. In this case,
the term “abroad” in the terms of insurance refers to the respective main place of residence.
Main place of residence
A person’s main place of residence is generally established at the place where he/she settled with
the intention of making it his/her centre of vital interests. If this material condition applies to
multiple places of residence on overall consideration of a person’s professional, economic and
social vital interests, they must refer to the place of residence to which they have primary
proximity as their main place of residence.
Contractual basis
The contractual basis consists of the framework contracts agreed between the Österreichischer
Alpenverein and the insurers, as well as the general conditions to which the respective contract is
subject. The insurance cover provided under this contract is only subsidiary to other insurance
cover. Other service obligations take precedence if insurance cover is also provided by a different
insurer for the same risks.
A claim cannot be made if a service has been or were to
be provided to the insured person free of charge.
The underlying contractual documents are available to download, see: www.alpenverein.at/versicherung
The present contract is an Austrian contract to which Austrian law must be applied in any case, with
the exclusion of the Austrian Private International Law and International Reference Provisions.
Neither Österreichischer Alpenverein nor KNOX Versicherungsmanagement GmbH have legal liability for
the accuracy or content of any other than the information available in the German ver- sion of the
website or on the German information folder. In case of uncertainty, only the original German
version is legally binding on Österreichischer Alpenverein. Translations are merely offered as a
service for the members of Österreichischer Alpenverein and without legal obligation. For all
contracts concluded with Österreichischer Alpenverein, Austrian law must be applied, with the
exclusion of the Austrian Private International Law and International Reference Provisions.
GDPR – personal data protection
Operator
The operator of the Alpine Club website Alpenverein (www.alpenverein-slovensko.sk) is Horský klub, s.r.o., Pobrežná 477, 031 04 Liptovský Mikuláš, Slovak Republic, Company ID 47494794, registered in the Commercial Register of the District Court Žilina 60580/L (hereinafter referred to as the “operator”).
Responsible Person
The responsible person of the operator is the director of Horský klub s.r.o.; the mailing address is identical to the operator’s registered address, and the electronic address is info@alpenverein-slovensko.sk.
Purpose and Legal Basis
The purpose and legal basis for processing personal data is membership in the Alpine Club Alpenverein. Membership includes insurance concluded under framework agreements between the Austrian Alpine Club Österreichischer Alpenverein (“ÖAV”) and the insurer Generali Versicherung AG represented by KNOX Versicherungsmanagement GmbH. Austrian law (including Austrian international reference standards) governs these contracts. Supplying personal data is necessary for arranging and concluding an insurance contract for an Alpenverein member; without such data membership cannot be established. The operator sends important notices and alerts concerning membership validity to the member’s e-mail address.
Data Subject and Processed Personal Data
The data subject is the club member. The personal data processed for the data subject include: first name, last name, permanent or temporary residence, date of birth, nationality, title, gender, telephone number, and e-mail address. If additional personal data are processed for example, health-related information such data are handled only to the extent necessary for providing the service in the event of a claim.
Recipients of Personal Data
Personal data may be disclosed primarily to:
- Österreichischer Alpenverein (“ÖAV”), Vienna, Austria
- KNOX Versicherungsmanagement GmbH, Innsbruck, Austria (insurance intermediary)
- Generali Versicherung AG, Landskrongasse 1-3, 1010 Vienna, Austria (insurer)
During the membership period the insurer may change; the current insurer is indicated on the website www.alpenverein-slovensko.sk under the “Insurance” section. The data may also be shared with companies acting on behalf of the member for the exercise of rights related to assistance services and insurance benefits within the Alpine Club membership.
Retention Period
The operator will retain the member’s personal data for the duration of the Alpine Club membership and, after termination of membership, for at least 15 years from the end of the contractual relationship with the data subject.
Rights of the Data Subject
The data subject has the following rights with respect to the processing of his/her personal data:
- Right of Confirmation & Access – to obtain confirmation whether personal data concerning him/her are being processed and, if so, to receive a copy of those data together with the information set out in this notice.
- Right to Rectification – to have inaccurate personal data corrected and incomplete data completed.
- Right to Erasure (“right to be forgotten”) – to have personal data deleted when they are no longer necessary for the purposes for which they were collected or otherwise processed.
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Right to Restriction of Processing – to limit processing when:
- the data subject contests the accuracy of the data during the verification period;
- processing is unlawful and the data subject opposes erasure but requests restriction instead; or
- the data are no longer needed for the original purpose but the data subject requires them to assert, exercise, or defend a claim.
- Right to Data Portability – to receive the personal data provided by him/her in a structured, commonly used, machine-readable format and to transmit those data to another controller.
- Right to Object – to object to processing of his/her personal data by the insurer.
- Right to Lodge a Complaint – with the Slovak Office for Personal Data Protection if the data subject believes that processing by the operator violates applicable data-protection legislation.
- Right to Human Review – if a decision affecting the data subject is based solely on automated processing, the data subject may request that the operator review the decision by a human. The operator must comply, with its employees conducting the review, and must inform the data subject of the review method and outcome within 30 days of receiving the request.
- Right to Verification of Identity – to request proof of identity of the person authorized to obtain the data.
- Right to Source Information – if the data were not obtained directly from the data subject, the data subject may request information about the source of the data, including whether they originated from publicly accessible sources.
- Right to Exercise All Rights in Writing – at the insurer’s registered address or via e-mail info@alpenverein-slovensko.sk.
The personal data will not be published.
Transfer of Personal Data
The operator expects to transfer the personal data to the recipients listed above within the European Union, to EEA-contracting states, and to Switzerland (recipients identified in point 6 of this notice). Transfers to third-country jurisdictions will occur only if the European Commission has decided that the country ensures an adequate level of protection, or, lacking such a decision, only if the operator or intermediary provides appropriate safeguards and the data subject retains enforceable rights and effective legal remedies.
All insurance information above are provided for informational purposes only! Before submitting my application for membership, I confirm that I have thoroughly reviewed and familiarized myself with the brochure available at the link HERE, and I hereby accept and agree to all terms and conditions stated therein.