Snow Pack from €13 for 7 days

Ski insurance The HEYME Snow Pack

The winter sports season will soon be in full swing! So it’s time to talk about ski insurance…

Faced with the risks inherent in the practice of snow sports, it is essential to take out specific insurance to be insured against damages related to possible accidents.

The HEYME Snow Pack

As part of the Snow Pack, HEYME ski insurance offers a complete insurance and assistance package, applicable even in the case of off-piste skiing in France and abroad.

The advantages of the Snow Pack

  • Mini price including a single price for 16-24 year olds
  • Coverage of health costs following an accident in France or abroad
  • Coverage of on-piste and off-piste rescue costs
  • Personal accident insurance
  • Liability insurance
  • Repatriation assistance
  • Cancellation insurance (optional)

Ski insurance The HEYME Snow Pack

The Snow Pack Guarantee

Warranty Snow Pack covers you during your stay in France or abroad during the practice of your winter sport (limited list: Skiing, snowboarding, sledding, snowscoot, cross-country skiing, snowshoeing, skating) but also during everyday life!

Optional warranty Cancelation covers you in case of cancellation of the stay.

  • Coverage of health costs following an accident in France and abroad
  • Coverage of on-piste and off-piste rescue costs

Components of the SNOWPACK warranty

  • Coverage of health costs following an accident in France and abroad
  • Coverage of on-piste and off-piste rescue costs
  • Personal accident insurance
  • Liability insurance with AXA France IARD
  • Repatriation assistance with CHUBB European Group SE
  • Medical teleconsultation
  • Discount offers MYREDUC

Snow Pack membership terms

Membership conditions at the Snow Pack

To join the Snow Pack, you must meet the following conditions:

  • be between 3 and 70 years old on the day of your membership;
  • reside in France on a regular basis;
  • benefit from a mandatory French social security scheme.

The duration of membership at the Snow Pack

Membership is taken out for a firm and uninterrupted period. This will be indicated on your membership form.

You cannot interrupt the warranty. The duration is a minimum of 7 days and a maximum of 12 months.

You cannot subscribe for a period longer than twelve months.

Membership fees at the Snow Pack

For any subscription for a period other than those shown in the table, the amount for the closest period is applied.

Example: for a period of 3 months, the rate applied will be €45.

Group rate 10€

This offer is applicable to groups of more than 10 people making a simultaneous subscription for the same period and same duration.

Opening and end of rights

Opening of rights

The opening of rights begins on the effective date that you chose on the membership form.

End of rights

Your rights end on the end date of the guarantee appearing on the subscription form.

Waiver at the Snow Pack

If you wish to withdraw, you have a period of fourteen days from the date of subscription.

The waiver is made by registered letter with acknowledgment of receipt, addressed to the registered office of the SEM.

Risks excluded from all guarantees

  • Civil or foreign war, invasion, insurrection, revolution, usurpation of power, terrorism etc. ;
  • Contact or contamination by so-called nuclear, biological or chemical substances, the explosion of devices and radioactive nuclear effects;
  • Natural disasters, epidemics and all cases of force majeure;
  • Participation in brawls, bets, criminally reprehensible acts, unauthorized events;
  • The alcoholic state, the absorption of drugs, medication or treatments not prescribed by an authorized medical authority;
  • The practice of a sport on a professional basis;
  • Participation in a competition requiring the use of a motorized land, air or water vehicle;
  • The practice of all sports other than those covered by the SNOWPACK guarantee (skiing, snowboarding, sledding, snowscooting, cross-country skiing, snowshoeing, skating);
  • The Participating Member’s presence as a passenger in an aerial locomotive device that is not approved for the carriage of passengers or a ground vehicle;
  • The use of firearms.

The medical expenses guarantee

Covered risks

Medical costs and hospitalization costs are only covered if they are consecutive to an accident during a winter sports holiday.

Definition of an accident

Any unintentional bodily injury on the part of the member and coming exclusively from the sudden and unforeseeable action of an external cause. Are therefore not considered as accidents, events totally or partially caused by a disease (pathological cause).

cancellation insurance

Object of the guarantee

  • Reimbursement of the costs of cancellation or modification of the stay following a cancellation or modification of the stay made necessary following the occurrence of a fortuitous event guaranteed.
  • The cancellation costs cover the price of the stay maintained at your expense, for which you cannot claim reimbursement.
  • The cancellation fees do not include port and airport taxes, insurance premiums, visa fees and administrative fees that may be retained.
  • The cancellation guarantee is offered optional when subscribing to the SNOWPACK insurance contract

Guaranteed events

The cancellation or modification of the stay must be motivated by the occurrence after the subscription of the guarantee of one of the fortuitous events guaranteed.

A fortuitous event is an event that occurs by chance, unexpectedly.

In other words, an event of which you were not aware before taking out the guarantee.

Events covered

  • Bodily accident, Illness or death, of your spouse, of one of your ascendants or descendants, brothers or sisters, brothers-in-law or sisters-in-law, sons-in-law or daughters-in-law, fathers-in-law or mothers-in-law of your legal guardian as well as any person who usually lives in your home.
  • A medical contraindication: after a vaccination, for the practice of the sports activity object of the stay, pregnancy.
  • The destruction of more than 50% of your home or your premises requiring your presence on the scene.
  • Your hospitalization for more than three consecutive days, for a depressive state, a psychological, nervous or mental illness.
  • Obtaining a salaried job or a paid internship obtained via Pôle Emploi starting before your return from your stay.
  • Your summons to appear before a court as a witness or assize juror.
  • Summons to a resit exam.
  • Serious damage occurring to the vehicle essential to get to the meeting place fixed by the organizer of the stay.
  • An external event, sudden, unforeseeable, justified, independent of your will, preventing you from traveling and occurring between the date of subscription of this guarantee and the date of your departure.
  • Cancellation of the study course due to an external event.
  • Summons for the adoption of a child.
  • The refusal of the tourist visa or study visa, certified by the authorities of the country chosen for the stay.
  • Theft from home or business premises.
  • Theft of identity papers or travel tickets.

Options and contributions

The maximum amount compensated is set according to the option chosen.

The contribution is fixed.

The deductible is 30 euros.


  • Bodily injuries having been the subject of an initial observation, treatment, relapse or hospitalization between the date of reservation of the stay and the date of subscription to this guarantee.
  • Pathologies that have been the subject of hospitalization in the 30 days preceding the reservation of the stay.

👉 The HEYME Snow Pack

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