They mainly differ in four aspects:

• Courses —The Free student covers can only be used for entry level students. The Student plans can be used for students of other courses as well.
• Aggregate limit — The Free covers entail one aggregate cover limit of €37,500 for all students. The Student plans individually cover each student up to €30,000.
• Duration — The Free covers last max. 90 days - student plans last up to 365 days. In any case, they both expire on the student's certification date.
• Presence of the instructor — The Free covers stay valid as long as the instructor who's activated them is teaching the course in person. The Student plans cover the insured student no matter who is actually teaching the course.

• Yes, provided you are taking all the necessary safety measures and possess the experience required for that type of diving activity.
   
• On the other hand, the Third Party Liability insurance ceases to be valid if you breach any law or rule, including diving deeper than allowed in your certificate.

• Your partner (married or cohabiting).
   
• Your children up to 18 years old, living at your residence address.
   
• Your children up to 25 years old, if full-time students at an accredited school/university, unemployed and living at your residence address.

• Your partner (married or cohabiting).
   
• Your children up to 18 years old, living at your residence address.
   
• Your children up to 25 years old, if full-time students at an accredited school/university, unemployed and living at your residence address.

Outer Ear Barotraumas can occur when the ear canal becomes blocked, trapping air between the blockage and the ear drum. This can create excess pressure or a vacuum in the air space as the diver changes depths. Blockages can be caused by excess wax, non-vented ear plugs or an extremely tight fitting hood. Due to the increasing pressure and squeeze in the outer-ear, the surrounding tissues can fill the canal with blood and fluid or the eardrum can rupture. Pain and discomfort will be noticed and after a release of pressure (due to the eardrum rupture), the cold water entering the middle ear may lead to vertigo.

• The insurance cover for diving-related medical emergencies is valid worldwide (unless you choose the "Dive Local" plan) for 365 days.
• The cover for NON-diving related medical emergencies is only valid when you are travelling abroad, for a number of days which varies according to the plan you have chosen.
• The third party liability cover is valid worldwide except in the United States and Canada.

Joining DAN may include coverage for diving accidents.

• If you seek insurance for diving injuries, choose a Sport Member plan.
• If you are an instructor or dive guide seeking liability insurance, choose a Pro Member plan. Warning: liability insurance may not be available in certain countries.
• If you wish to join DAN Europe but you are not interested in any insurance plan, just activate your Membership.
• If you are a commercial diver, request a quote here.
   

• DAN Europe does not offer insurance plans for your dive equipment.
   
• Pro Member plans cover the insured or rescuers' equipment only following an indemnifiable own or 3rd party diving accident (up to the cover limit shown on the insurance certificate).

• Death extension: you can increase by either €25,000 or €50,000 the cover limit in case of death due to a diving accident. This extension does not apply to technical dives.
   
• Travel No-Limits: you can extend the duration of the coverage for non-diving emergencies abroad to the whole subscription period (one year).
   
• Benefits for your family: you can include your family members (partner and/or children) into your insurance cover.

• Yes, provided you are taking all the necessary safety measures and possess the experience required for that type of diving activity.
   
• On the other hand, the Third Party Liability insurance ceases to be valid if you breach any law or rule, including diving deeper than allowed in your certificate.

• Death extension: you can increase by either €25,000 or €50,000 the cover limit in case of death due to a diving accident. This extension does not apply to technical dives.
   
• Travel No-Limits: you can extend the duration of the coverage for non-diving emergencies abroad to the whole subscription period (one year).
   
• Benefits for your family: you can include your family members (partner and/or children) into your insurance cover.

Means the provision of advice and instruction in Diving Activities including all supervising, training, escorting or guiding services provided by diving instructors, assistant instructors and underwater guides.

• Yes, you can stop the current plan and activate another one, which will be valid for 12 more months. The unused period of your insurance will be deducted from the cost of the new plan.
• For example, if you change your plan 3 months earlier than the expiry date of the policy, the value of those 3 months left will be deducted from the final price of your new insurance.
• For this operation to be possible, the price of the new plan must be the same or higher than the current one's.
• You can change your current plan via this webpage.

Please see the specific section of our website.

• Whenever possible, the insurer directly takes on the covered medical expenses, so that you do not have to pay upfront.
• Having said that, direct payment is not always possible – for instance, it is not possible in relation to small amounts or outpatient care.
• In such cases, you can claim later for the expenses that you had to bear (to that end, make sure you have all medical reports and proofs of payment).

Before purchasing the insurance plan, please send an email to [email protected] along with:

• a summary of your medical condition;
• info on the possible medication you take and its dosage;
• a copy of your fit-to-dive medical certificate (if available).

• No, they are not automatically covered.
• However, you can cover for free a number of your entry level students by registering them on your MyDAN.
• Furthermore, you can purchase specific insurance plans for your scuba and freediving students.

• Whether you are abroad or in your home country, the diving cover is valid for one year, worldwide.
• The cover for non-diving related medical emergencies is only active while you are travelling abroad, for a limited number of travelling days a year (60 in the Bronze, 90 in the Silver, 120 in the Gold).
• Travelling days are counted from the time your current journey has started. E.g.: If you activate a Pro Silver after 10 days into your trip abroad, the non-diving cover is reduced to 80 days per year.
• By "Journey" we mean a trip outside your declared country of residence not undertaken as a result of your work, occupation, or any profession other than Professional Diving.
• If you add the "Travel No-Limits" optional benefit, you extend the duration of the non-diving cover to the whole insurance period (one year).

• DAN Europe insurance plans feature a coverage for medical emergencies abroad, however it is not a full travel or health insurance.
• The cover for NON-diving related medical emergencies is only valid when you are travelling abroad, for a number of days, which varies according to the plan you have chosen. E.g.: 90 days a year in the Silver plan.
• You are not required to let us know whenever you travel outside of your country of residence. However, should you experience a non-diving related accident in another country, we might ask you for a copy of your passport and flight tickets in order to ascertain how many days you have already spent abroad.

• For more information on this matter, please read the Terms & Conditions for your plan.

Make sure you fill out and send the accident form within 14 days from the date of the incident.