In the past, if you were injured or sick and could not ski, you were given a refund on your lift pass upon presentation of a doctor's note. No more! Now, you must buy insurance for the lift pass at the same time you buy the pass. The cost varies depending on the number of days skiing, but assume CHF 3 per day. The ticket seller is supposed to tell you about the insurance, but if they do not, and you become sick or injured, you lose the money. Awful!