Students carry more risk than their certified counterparts. Protect your students and minimize your risk with DAN's Student Medical Expense Coverage -- a NEW and EXCLUSIVE benefit for DAN Professional Members.
1 Student Medical Expense Coverage for all your entry-level students and instill the importance of a culture of safety from the very first day of training. Your decision to cover your students shows that you recognize the reality of risk management and you have taken steps to provide for your students in every eventuality.
2 Advertise coverage with your open-water and entry-level courses to set yourself apart from your competition. It shows that you are making a conscious and educated decision to effect real change in the diving community.
3 DAN’s Student Medical Expense Coverage is a no-fault liability policy issued to the instructor that ensures medical expenses get paid, which helps prevent rising claims against professional liability programs.
Am I eligible to offer this benefit to my students?
DAN Professional and Business Members residing in the USA and Canada are eligible to offer this program to their students at no cost. To become a DAN Professional or Business Member sign up online at DAN.org/Pro or DAN.org/Biz. For the duration of 2017, DAN Professional Membership is available at no cost.
Who is eligible to receive this coverage?
DAN Professional Members and DAN Business Members may offer complementary Student Medical Expense Coverage to all entry-level and open-water students.
How do I enroll my students, and how do they know they are covered?
To enroll your students simply log in to your member profile page via DAN.org/Pro or DAN.org/Biz and click “Enroll Student Divers” located under Account Tools. Once enrolled, your students and you will receive a confirmation email with a digital card.
Why is the instructor’s DAN Member number required?
As an exclusive benefit of the DAN Professional Membership, this program is designed to protect the instructor by paying the medical expenses of a student who sustains an injury during training, and the policy is assigned to the instructor. If you are a dive business entering students for coverage, you are required to enter the instructor’s DAN member number.
How much does DAN Student Medical Expense Coverage cost?
DAN subsidizes all fees so this program is available to entry-level and open-water student divers at no cost.
What does it cover?
DAN’s Student Medical Expense policy covers any diving activity, in- or out-of-water, that is necessary to meet the standards for receiving open-water scuba diving certification or entry-level certification for breath-hold diving. Covered activities include, but are not limited to, donning or doffing dive equipment, swimming, diving, and traveling by charter boat to a diving destination. “Diving activities” begin from the moment students lift their BCDs until the moment their equipment is placed on the ground, or for breath-hold diving and snorkeling, from the moment they enter until they exit the water.
Are injuries that occur on the boat or shore, such as ladder, tank and deck slips, covered?
Yes. DAN Student Medical Expense Coverage protects students against incidents that occur during diving activities – whether in the water or on the surface. The type of injury matters less than the activity in which they are engaged. If they fall while running on the deck of pool, they would not be covered; however, if they fall while in gear, coverage would protect them.
Does this cover free-diving training?
Yes, the DAN Student Medical Expense Coverage program is available to entry-level breath-hold divers.
How do I know if our course is covered?
This program covers open-water scuba diving certification and entry-level certification courses for breath-hold diving. For questions about whether your agency’s course will qualify, contact DAN at ProfessionalMember@DAN.org.
How long does coverage last?
Coverage is valid for up to 180 days or until completion of a student’s last certifying dive, whichever comes first.
Are students covered if they finish an open-water course with a different instructor?
If a student changes instructors at any time throughout his or her entry-level, open-water training the new instructor will need to register the student again for the coverage to be active. The coverage is attached to individual instructors, not the student.
Can we fax student rosters?
We no longer accept student rosters via fax or email. Instructors must enroll students online.
What should I do in the event of a dive accident?
In the event of a dive emergency, after local emergency services have been activated, please call DAN’s Emergency Medical Line +1 (919) 684-9111.
For non-emergencies, please contact DAN’s Medical Team at +1 (919) 684-2948.
How does a student sign up for coverage?
Instructors must log in at DAN.org/Login to enroll students in DAN’s Student Medical Expense Coverage program. Only DAN Professional Members may enroll students in this program.