As everyone who enjoys climbing has increased,Mountain insuranceMany people may have heard that there is insurance.
Mountain insurance is a insurance that can be used in the unlikely event of a climb.
Various types of products are offered by various companies, such as "types that can be used in the event of distress", such as "types that can be used even if someone else is injured", such as general insurance. .
Here, it is an essential item in mountain insurance.Types that can be used in the event of a distressI would like to consider why mountain insurance is necessary in the first place while introducing recommended mountain insurance.
It is one of the risks that can occur to anyone who is injured or ill while climbing and cannot continue climbing or climbing. When you hear about a distress, it is easy to see the image of falling down from a steep rocky place, etc.
'If you can't do Shimoyama on your own, it's already a distress'
When. I see.
As long as you can no longer go down on your own, you will need someone to come to the rescue, but the cost of a disaster will vary depending on the situation and the season.
Broadly speaking, the cost of rescue and search
・ Helicopter dispatch costs
・ Expenses for daily allowances, food expenses, insurance premiums for those who search (members of the local distress council)
・ Expenses such as transportation expenses, food expenses, consumables, etc.
・ Residence expenses (such as accommodation expenses) when the search team needs to stay somewhere
・ Reward expenses for those who have not paid their daily allowance in the search team
-Expenses for relatives, etc. to go to the site (transportation expenses, accommodation expenses)
・ Body transport costs
This is the typical cost for distress search costs.
These vary greatly depending on the situation of the mountain, the rescue site, and the rescue method, but let's consider how much it costs by giving some examples. Each expense is not a fixed amount but an estimate.
1. Helicopter is not dispatched and rescue is completed in 1 days
In that case, the main cost will be to pay to the rescuer.
If a rescue team of 3 to 4 people is needed, it will be about 20 10,000 yen even if it is calculated about the amount paid to those people. Actually, there are many other expenses, and it is possible that there will be more units than that.
2. Helicopter is dispatched and rescue is completed in a relatively short time
Recently, there are many cases where helicopters are used as the main force of distress rescue, but what if the helicopter is dispatched and the rescue is completed in 1 days?
In this case, helicopter dispatch costs are the main.
The cost is about 1 million yen per 50 hour (it can be said that the most famous private rescue helicopterToho Airlinesin the case of,Japan Mountain Rescue GK
If the rescue location is clear and the helicopter needs to make a round trip to the location at a pinpoint, the rescue operation may be completed in a short time if there is no need to search, in which case 1 per 50 hour The amount of time spent on the amount based on 10,000 yen is the main search cost.
However, the labor cost for rescue is basically necessary, so be careful that helicopter fee is not necessarily the rescue cost.
3. A case where a helicopter is dispatched and a rescue team is formed from the ground to search and rescue for several days.
In this case, based on almost all the costs listed at the beginning, it will cost for the search days.
In addition to the compensation fee for those other than those who belong to the mountaineering association or the encounter co-op, etc. Will cost you more than you can estimate. In the worst case, the cost of carrying the body will also be charged.
Depending on how many days you search, you can see that in some cases it can cost from several million yen.
So-called mountain insurance provides financial support for unforeseen circumstances.
Even the explanation so far has given you an image of how mountain insurance is effective and why it is important to join.
This time we are talking about mountain insurance about “types that can be used in the event of a distress”, but there are also types depending on the range covered by insurance. The key often depends on whether you use climbing equipment. As a typical example, if you divide the type,
・ Natsuyama trekking and hikingClimbing equipment (Pickel, crampons, climbing equipment)What does not use.
・ Use climbing tools such as ice ax, crampons, etc.Climbing equipmentActivities that use.
It becomes. Also, the insurance that can be covered depends on the activities that are covered by the insurance. Recently, the number of types that can be easily insured in 1 days is often only for those that do not use climbing equipment.
Now, based on these, let's consider which mountain insurance is recommended.
Mountain insurance is provided by each company, but I would like to recommend "Japan Mountain Rescue GKProvided byMountain distress measures systemJapan Mountain Rescue Organization Membership System (abbreviation: jRO)'.
One of the big reasons to recommend
Even in the unlikely event of an expense, it tends to be expensive.Distress search costsGuarantee forCan be covered with relatively reasonable insurance premiums (the concept of “annual fee + ex-post contribution” in jRO)It is that.
With regard to “distress search costs”
・ Mountain distress search / rescue cost coverage system will cover up to 550 million yen for search / rescue costs.
・ If a member encounters a distress and the member bears search / rescue costs, the actual cost will be compensated up to 550 10,000 yen per member per member period.
(As of 2019 year 7 month)
To supplement those who are difficult to judge whether the price is high or low when they hear this amount, in the so-called general accident insurance (except for some types that cover light climbing, etc.)Most distress search fees are not paidis. In that case, please consider that a sudden charge of several million yen or more comes to a family or relative's distress.
As you all know, increasing the premium for both non-life insurance and life insurance will increase the guarantee, but it is often difficult to consider the balance between the amount of compensation and the premium that may actually be used. If you are limited to activities centered on, it is easy to get lost in that judgment.
Under such circumstances, the amount guaranteed by this jRO (the concept of “compensation” in jRO) is well balanced when considering insurance premiums and compensation amounts.
Earlier, I talked about the range that can be covered by insurance, but jRO is also excellent in that respect. The covered content applies not only to so-called general climbing but also to the following activities:
Mountaineering, hiking, camping, vertical climbing, rock climbing, alpine climbing, swamp climbing, snowy mountain, ice climbing, trail running, free climbing, sports climbing, bouldering, mountain skiing & snowboarding, canyoning, caving, mountain biking, wild vegetable picking / carp hunting, Mountain stream fishing. (Excluding overseas mountaineering)
It is no exaggeration to say almost all so-called outdoor activities. If you are watching PORTALFIELD, I think there are many people who enjoy either one.
Why is a reasonable insurance premium possible?
The reason why jRO insurance premium (annual fee + ex-post contribution) is low is as follows:A method in which the amount of insurance paid (total distress search cost) when a member is lost in that year divided by all insurance subscribers (all members) is charged in the following year (post-payment method)That's why.
Subsequent contribution (coverage cost) methodBecause it is calculated by dividing only the amount of insurance actually paid (compensation amount), it does not include policy reserves and reserves, so it realizes reasonable premiums compared to general insurance and mutual aid It has been.
The important thing here isjRO is not insurance but a membership system based on the spirit of mutual assistanceThat is to say.
jRO is generally recognized in the category of the concept of mountain insurance,Because it is not insurance, there is no death fee for death. However, I think that this is also convincing if we consider that this is a major factor in realizing reasonable insurance premiums.
By the way, my previous payment amount is 2160 yen for the annual membership fee, 300 yen for the subsequent contribution, and the settlement amount-300 yen, total 2160 yen. The amount is higher than this, and family members have a lower annual fee than the main member). It is a very reasonable mechanism that the post-payment will be cheaper if the distress search cost is not used.
There are several other benefits that can be gained by joining jRO. Check the jRO website for the latest information. (Click here for jRO member benefits page）
What has become a problem recently due to mountain distress
So far, I explained why mountain insurance is necessary and why jRO recommends it, but let me touch on the problem of rescue in mountain distress.
As you may know, helicopter rescues are carried out by the police, firefighters, private companies, and the Self-Defense Forces (there is no chance other than large-scale disasters). It is rescue by helicopter.
However, they cannot be dispatched if they are used for other purposes when making a search request. A private helicopter company appears in such cases. As a helicopter company for rescue in Japan,Toho AirlinesIs particularly famous.
Of these three, police and fire helicopters often do not have a rescue cost (some municipalities collect them),Of course, private helicopters cost money.
From here, the core of the problem is that there is actually a rescue requester saying “I want to ask with a police or fire helicopter that doesn't cost money” when rescue by a helicopter.
It is rescued because it is urgent, and it would be too self-centered to make such a designation simply because it would not cost money in such a case.
In the first place, it is expensive even for police and firefighter helicopters. The cost is covered by taxes. That's why it's reasonable to say that you're paying taxes, but if you need help in a time-consuming situation such as the danger of life, whether money or life is important Not to mention here.
However, this is exactly the opposite of the story so far, and because you are not subscribed to mountain insurance, you will have to consider distress search costs and rescue costs. It must be avoided.
If you enjoy mountain climbing and various outdoor activities, mountain insurance is indispensable to enjoy them as much as possible and to minimize the inconvenience to the family and the surroundings.
There are various mountain insurances, but if you are currently considering joining, please refer to them.