Insurance exists to protect us against unpredictable expenses.DAN provides access to different insurance plans to meet the individual needs of DAN Members. Only DAN Members can get DAN dive accident insurance.
Please download DAN Insurance package at our Download center
Do I really need dive accident insurance? I have primary medical coverage ..
Your primary medical insurance may exclude scuba diving as a
hazardous recreational activity and/or may not provide coverage
when you are traveling out of the country. If it does provide
coverage, it may pay only a minimal amount for chamber treatments. There are also often large out-of-pocket payments for deductibles and co-pays. These alone can total thousands of dollars.
Medical Dive Accident Coverage
Covered charges include the reasonable and customary cost of medically necessary services and supplies provided for the care and treatment of a Covered Diving Accident when prescribed, performed or ordered by a Physician. This includes:
✔️ Hyperbaric Chamber
✔️ Physician's Charges for
Hyperbaric Chamber .
Treatment medical care and
✔️ Ambulance transportation by
ground, air or marine ambulance services to
the nearest Hospital or Hyperbaric Chamber
where prescribed care or treatment can be given.
✔️ Hospital charges
Accidental Death and Dismemberment
This coverage is for loss resulting from a Covered Diving Accident.
Permanent & Total Disability
Permanent Total Disability must result from a Covered Diving Accident. Permanent Total Disability means that an Insured Person is unable to perform the substantial and material duties of any occupation, if employed, or if retired, all of the normal activities for a person of like age and sex in good health.
Extra Transportation Costs
If an insured person is prevented from using their purchased ticket to return home based on the written advice of the attending Physician because of a Covered Diving Accident, the coverage pays for the cost of transportation for the return trip home.
Extra Accommodation Costs
If an insured person is delayed from returning home based on the written advice of the attending Physician because of a Covered Diving Accident, the coverage pays the cost of extra accommodations for the duration of the delay.
Loss of Diving Equipment
Coverage is for diving equipment that is worn on the diver's person that is "cut loose" and is lost or damaged as a result of a Covered Diving Accident. This coverage excludes watches, torn straps or buckles, or photographic equipment.