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.
Policies are issued by The United States Life Insurance Company in the City of New York (all states). The United States Life Insurance Company in the City of New York is responsible for the financial obligations of insurance products it issues and is a member of American International Group, Inc. (AIG)