Dive Insurance?

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Thanks all for the advice. It looks like most people use DAN as their insurance. I take it that their coverage is one of the better ones and covers you anywhere in the world? Does anyone here have the NAUI insurance? That one doesn't look too bad for $60.

I'm definitely going to get dive insurance since I want that peace of mind when I'm diving. I'm still trying to compare prices and types of coverage.
 
Whether or not most primary insurance policies cover hyperbaric treatment (and possible transport to it), it can be difficult to get a straight answer from an insurer one way or another because you'll almost always be talking to someone who has no clue about diving. At the least I figure dive insurance is coverage against this and any possible hassles.
 
Damselfish:
Whether or not most primary insurance policies cover hyperbaric treatment (and possible transport to it), it can be difficult to get a straight answer from an insurer one way or another because you'll almost always be talking to someone who has no clue about diving. At the least I figure dive insurance is coverage against this and any possible hassles.

My thoughts exactly. I even bought it before the open water dives in the PADI OW course! I went with DAN and when I renew will probably add the equipment insurance as well since I've begun buying my own equipment.
 
DAN is having some legal problems and you may not be fully covered if you need to visit a chamber in The Bahamas, Baja California, Belize, Cancun, Cozumel, Galapagos, Phuket (Thailand), Playa del Carmen, Samui (Thailand), and the Yucatan (Mexico). Buyer beware make sure that you know what you are getting.


Durham, North Carolina (Mar 9, 2006 19:33 EST) In a news release dated March 9, 2006, hyperbaric chamber operators from some of the world's most popular dive destinations have announced they will no longer accept DAN America insurance. The destinations include The Bahamas, Baja California, Belize, Cancun, Cozumel, Galapagos, Phuket (Thailand), Playa del Carmen, Samui (Thailand), and the Yucatan (Mexico).

The press release states that all divers carrying DAN America dive insurance and diving in these locations should be prepared to pay out-of-pocket for any medical service rendered, because these chambers will not accept DAN America’s insurance or DAN America’s credit card as a method of payment. Hyperbaric chambers in other locations are currently considering joining this group and not accepting DAN America insurance.

This consortium of chambers has been forced to sue DAN America in federal court in the United States due to unpaid medical claims, some dating as far back as 2004. The financial burden of not being paid has forced several chambers in remote locations to consider closing down. In order to remain open, these chambers can no longer treat DAN America patients and not be paid.

The release also notes that while DAN America is a non-profit research organization based in the US, its insurance product is underwritten/re-insured by a for-profit organization that is wholly-owned by DAN America called Accident & General Insurance Ltd., based in the Cayman Islands. DAN America has claimed a rate dispute as the reason for non-payment, saying that the rates are above what DAN America considers reasonable and customary in the locality. However, major medical insurers (including Blue Cross BlueShield, Humana, Prudential and Kaiser Permanente), DAN Europe, DAN Southern Africa, DAN SEAP as well as all other dive insurers have accepted these same rates as appropriate and paid their bills.

This action only applies to DAN America insurance and not any other insurance coverage including DAN Europe, DAN Southern Africa, DAN Japan or DAN SEAP.

This announcement comes on the heals of an announcement by SSS (Sub-aquatic Safety Services), with chambers in Mexico, Belize and Thailand, and an announcement by the Bahamas Hyperbaric Centre, LTD, both saying that they would no longer accept insurance from DAN America over billing disputes.

DAN responded to an earlier announcement saying the dispute was over what constituted “reasonable and customary” charges for treatment of decompression illness. DAN claims Mr. Mauricio Moreno, owner of SSS, says his charges are “reasonable and customary,” even if the charges are significantly higher than similar services elsewhere.
 
well, at least give him both sides of the story.

DAN responded and said that they would cover all charges even while the
disagreement persists, and they are working on a solution.

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PUBLIC STATEMENT FROM DIVERS ALERT NETWORK
DAN Speaks to Insurance Issue

We deeply regret that many DAN members and others in the diving community were the focus of a recent broadcast email campaign by the SSS Network. The latest statement from SSS is designed to intimidate and frighten DAN members, and much of the information is untrue, misleading and contradicts previous statements from chambers within the SSS Network.

DAN and SSS are in dispute over the excessive treatment charges, which DAN believes are not reasonable and customary in comparison to other hyperbaric chambers, and which will damage the diving industry long term if not addressed now. By refusing to accept DAN insurance, SSS is attempting to place the burden of payment on the diver in order to gain leverage to force DAN’s insurer to accept higher treatment charges.

We find it hard to believe that SSS facilities would be closing due to insurance issues involving DAN’s insurer. SSS has claimed that insurance purchased through DAN represents only a small percentage of their business. They have now stated that some of this is being driven by a slowdown in diving travel, especially to dive locations that experienced hurricane and tsunami damage.

DAN has always supported remote facilities through our Recompression Chamber Assistance Program (RCAP). This program is part of the not-for-profit mission of DAN, and provides equipment to help chambers remain fully operational so they can remain open and viable and assist divers in need without having to resort to overcharging injured divers.

The recent SSS press release implies that there is something suspicious about Accident & General Insurance, Ltd. (AGI), a wholly owned subsidiary of DAN that underwrites a portion of the diver accident insurance purchased through DAN. On the contrary, DAN has referenced AGI in all of its publications and presentations about DAN. Revenue generated by AGI supports DAN’s mission activities, including medical services and research. No DAN employees receive compensation from AGI.

DAN has worked hard to bring this dispute to an equitable resolution. A court date is set for early May 2006. A mediation session is scheduled for late March. The tactics employed by SSS are unfortunate choices in a dispute that we choose to handle in a more professional manner.

While SSS keeps changing its position (see DAN website at http://www.diversalertnetwork.org/news/article.asp?newsid=735 for a chronological records of their statements), DAN has always maintained a consistent message and approach to the issue:

A. DAN Members will be treated at all SSS recompression chambers.

B. DAN Members with Dive Accident Insurance purchased through DAN are fully covered.

C. In the event of a dive injury, call the DAN Emergency Hotline immediately.

D. DAN will handle all the necessary matters and no DAN member will be out of pocket.


DAN has been here to protect divers for over 25 years, and during that time we have been true to our mission to keep divers and our sport as safe as possible. We will continue to do so. DAN is and will remain “Your Dive Safety Association.”

http://www.diversalertnetwork.org/news/article.asp?newsid=734
 
H2Andy:
well, at least give him both sides of the story.

DAN responded and said that they would cover all charges even while the
disagreement persists, and they are working on a solution.
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Still, if you have DAN insurance and have to go to one of the 10 listed chambers in the locations listed above, you will have to pay for treatment up front and wait for re-imbursment by DAN.
 
no, that is incorrect. read DAN's statement
 
I have DAN and they are well worth it. One thing i noticed is that you are going to dive locally. I know DAN won't cover a medevac within 50 miles of where you live.

Cheers.

-J.-
 
no, johnny, that is not correct

DAN will cover a dive medivac anywhere.

the 50-mile limit is for a different coverage, travel-related emergencies.

(this issue, by the way, is probably the single most confusing thing
about the DAN policy)
 

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