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| Diver Medical Insurance Companies
Do you really need supplemental diver medical insurance coverage?
The
answer is probably yes. Accidents do happen in diving. The
problem with most traditional medical insurance plans is that they may not
cover treatment for diving or snorkeling related injuries (such as a
hyperbaric chamber) or the emergency medical evacuation expenses related to
those injuries. Traditional USA health insurance plans may also not
provide any benefits if you are outside the USA. Some traditional
employee disability or life insurance policies may also have exclusions for
injuries or deaths related to diving activities.
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These are the 5 major diver medical insurance companies:
DiveAssure
Divers Alert Network (DAN)
DiveSafe
DSI
PADIBenefits offered by diver medical insurance companies may include:
emergency medical evacuation, medical treatment for the injury, benefits in
foreign or USA locations, disability benefits, death benefits, accommodation and
airline benefits, vacation cancellation or interruption benefits, and lost diving
equipment costs. Check with the specific insurance plans regarding their
particular benefits and exclusions, as each company plan is different.
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