Here is a curveball. I have been insured via the German Alpine Club for years which gives search and rescue cover (not medical) for any leisure activity in the outdoors anywhere in the world for a year for about £50ish. The Austrian Alpine Club have a similar scheme but also with a UK based arm of the club. Check the details below. 62 euros annual fee and with the cover you might need for skiing, climbing, caving, MTBs, hiking etc. worldwide plus loads of other benefits too.
https://www.alpenverein.at/britannia/membership/Membership.php
I have always just relied on this insurance for holidays in the Alps in conjunction with my EHIC card for medical stuff. OK my bike and possessions aren’t covered but then I don’t have insurance for them here in the UK either!
A summary of the cover you get with membership here (looks like some medical expenses too)
https://www.alpenverein.at/portal_wAssets/docs/service/versicherung/AWS-Folder_E_2023_ebook.pdf