Dive Accident Insurance

Available for all DAN Members.

  • Three Plans Available
  • Provides coverage for the medical costs
    of diving accidents
  • No mileage restrictions on diving accidents
  • Emergency Hotline 24/7

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.

The DAN Dive Accident Insurance Plans are recognized worldwide and can be confirmed 24 hours a day through the DAN Emergency Hotline (+1-919-684-9111). The DAN plans provide secondary coverage of up to $500,000 and pay
100% of eligible expenses.

What do Dive Accident
Insurance Benefits Cover?

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 Treatment
  • Physician's Charges for Hyperbaric Chamber Treatment medical care and surgical operations
  • 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.

How to File a Claim

This plan is underwritten by The United States Life Insurance Company in The City of New York, NAIC No. 70106 domiciled in the state of New York with a principal place of business of One World Financial Center, 200 Liberty Street, New York, NY 10281. It is currently authorized to transact business in all states, plus DC, except PR. This summary is a brief description of benefits only and is subject to the terms, conditions and limitations. Coverage may vary or may not be available in all states.

The underwriting risks, financial and contractual obligations and support associated with products issued by The United States Life Insurance Company in The City of New York (United States Life) are its responsibility.   AG-10623

is your dive safety leader.

 
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