They should be! Skateboarders and ski-ers know the risks. Let them take out hugely expensive private insurance. I wouldn't insure them. That goes for horse riders too.
In early 2015 I went to Austria to compete in a Seniors (over 45, before you ask!) bobsleigh event. I made sure I had good provision of insurance which included the obtaining an NHS European Health Insurance Card (EHIC) which has replaced the old E111 for basic and emergency care, plus travel insurance which specifically included bobsleigh and non-professional competition. The insurance cost me £65 for a week's cover, which as it turns out, was a good investment. My driver made a mistake on the final corner of the third run and we impacted the side wall at 75mph forward speed with a high lateral G, breaking the top of my femur. I was blue-lighted off the mountain (doctor, two ambulances) and whisked into Innsbruck University Hospital, x-rays followed and the break confirmed. The doctor brought me to just enough to tell me what was happening and to check what sort of insurance I had. If I had been a standard NHS patient (EHIC only) I'd have had to have an external frame. As it was, the insurance covered the cost of an internal "nail" down the centre of the bone. I was in hospital for 9 days and finally went home escorted by a nurse, door-to-door service with business class seats on the flight for the additional leg room - most of which was covered by the private insurance.
The basic level of care was covered by the NHS EHIC arrangements but I think its entirely fair to pay for additional cover if you're doing something slightly daft (like sliding down a mountain on a steel and fibreglass sled....) Like I said, best £65 I ever spent... How did they decide what bit of you went in which ambulance?
Hahaha nice....! I always wondered why they sent two. In the event, I understand that my best mate (the bob driver who walked away from the smack without a scratch) went in the other one. I had a lady doctor yelling at me to stay awake in mine.
I am still of the same view if they have insurance let it pay after an accident. I have insurance why shouldnt they? and all scheduled procedures should have been paid for before the op, that way you arnt chasing the money. I am sick to death of the NHS whining about lack of dosh, but cant be bothered to collect it!!!! If they dont take it out of the bods wages who was supposed to do it
Lost in wonder at the world and often wondering how I got there