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  • Country of residence means your country of permanent residence provided by you when applying for this insurance. This is the country where you will be repatriated in the event of a medical emergency, if required
     
  • You must indicate your actual country of residence, namely the one wherein you legally reside
     
  • You can indicate a different mailing address though to receive our mails.

The accident insurance, which is included in the DAN Europe Sport Member plans, covers the medical expenses arising from an incident in accordance with the policy terms and conditions (the Insured must take all reasonable precautions to safeguard his own security during the diving activity). Therefore, we are not going to verify whether the insured has any dry suit specialty.

  • DAN Europe recommends you not to exceed the limits of your dive certification. However, only the Sport Bronze plan draws a depth limit of 40mt in compressed air and nitrox, while all of the other plans do not have depth limits. Therefore, the insurance for diving emergencies stays valid even if you dive deeper than allowed by your certification.
     
  • 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.
  • DAN Europe does not offer insurance plans for your dive equipment.
     
  • The Sport Silver and Gold 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 cover for non-diving emergencies abroad.

Professional Diving means the provision of advice and instruction in snorkel and/or recreational diving including all organising, supervising, training, escorting or guiding services provided by diving instructors, assistant instructors or underwater guides including personal Recreational Diving Activity and work (both voluntary and remunerated) for civil protection agencies.
Diving Activities directly or indirectly related to scientific, exploratory or media activities are also considered professional diving (unless purely voluntary without any form of remuneration or reward).

  • Recreational diving means technical and non-technical recreational diving, without any form of remuneration.
  • Diving as instructors or guides is not considered recreational diving.
  • Insurance cover for recreational and professional diving emergencies (scuba and freediving): valid worldwide, for 365 days.
  • Coverage for non-diving related emergencies: valid only when you are travelling abroad, for a number of days which varies according to the plan you have chosen. If you add the “Travel No-Limits” optional benefit, its duration is extended to the whole subscription period (one year).
  • Third party liability insurance and legal defence regarding recreational diving (not available in all countries).

If you have a Pro or Dive Centre plan, you have two options:

  1. depending on your policy, you may register some or all of your students for free. These are the Free Student Covers.
  2. you can purchase specific insurance plans for your students. These are the Student Plans. For more info, see these webpages:
  • You can do so on your MyDAN, provided you have a Pro or Dive Centre Plan.
  • Once you register your student with a Free cover or with a Student plan, you will both receive a confirmation via email.

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 €15,000 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, you can use these plans for students residing in any country.

Yes, they are valid worldwide.

A history of safe and successful operation is a good indication that your business is healthy and well run, but it does not mean that you are not at risk. Risk will always exist, despite all best efforts.
DAN's HIRA program allows you to take a second look at your operation with a critical eye and an extensive set of criteria. It's all too easy for even the most experienced among us to become complacent and overlook old hazards or new risks that have arisen. Going through the program may reinforce that your risks are well managed, but the process is at least as valuable as its, result and you'll be able to set a baseline by which you can measure future hazards and operations.

As a dive operator, the HIRA program will introduce you to entirely new fields of risk management and liability. Organized risk management, as seen in aerospace and healthcare, has not been adopted in the diving industry, even though the same types of lawsuits and losses occur. Risk is everywhere in the dive industry, and it’s easy to take that for granted or overlook the hazards. As operators and as people responsible for the safety of our employees and customers, that is something we cannot afford. The DAN HIRA program is one way for us to check ourselves and make sure that we are not taking safety for granted. Absence of accidents does not necessarily indicate safety.

Even dive professionals who do not own a dive center or shop with still face numerous hazards both in and out of the water. Being able to identify problems with operations, liability management and even customers is crucial to professionals ability to protect themselves and their students and operate successfully. Dive professionals still face risks from teaching, transporting equipment and students, running or organizing charters and many other necessary aspects of a dive business. These concerns are frequently overlooked, and they put dive professionals in harm’s way. The DAN HIRA program was designed to remedy that and keep you safe while you teach and protect your students.

The DAN HIRA program was designed to help the dive industry thrive, reduce businesses’s losses and prevent injuries. The dive industry cannot survive without its professionals, and improving dive safety cannot be limited to just recreational divers. It is provided at no cost to DAN Pro and Club Members and Business Partners as a proactive way of promoting safety in our communities and keeping our industry thriving.

The DAN HIRA program is designed for all dive professionals. Whether you are an instructor, charter operator, shop owner or run a business that offers watersports as a secondary source of income, HIRA can be applied to your operation. Because of the broad user base for the program, not all facets will be applicable to all operations and it is up to you to determine which portions of the program you stand to benefit from. This is a tool designed to help you manage your own risk and not an audit or compliance program. The goal is to help capable and driven operators improve their businesses and reduce their liability.

  • EXTREME THIRST AND VERY DRY MOUTH
  • DRY SKIN THAT SAGS SLOWLY INTO POSITION WHEN PINCHED UP
  • RAPID HEARTBEAT, WEAK PULSE
  • RAPID BREATHING
  • SUNKEN EYES AND/OR EYES THAT DO NOT PRODUCE TEARS
  • NOT PASSING URINE FOR EIGHT HOURS
  • LOW BLOOD PRESSURE
  • IRRITABILITY AND CONFUSION
  • SEIZURES
  • LOW LEVEL OF CONSCIOUSNESS
  • EXTREME FATIGUE - WEAKNESS
  • THIRST (DRINK BEFORE YOU ARE THIRSTY AS THIRST ALREADY MEANS YOU ARE STARTING TO GET DEHYDRATED)
  • DIZZINESS
  • HEADACHE
  • MUSCLE CRAMPS
  • DRY OR STICKY MOUTH
  • TIREDNESS
  • DARK COLOURED URINE
  • DECREASED URINE OUTPUT

There are three levels of contaminants that could contaminate your breathing gas:

  1. Those most commonly found in compressed gas like Carbon Monoxide (CO): Carbon dioxide (CO2), moisture (H2O), condensed oil, particles and odour
  2. Those found in certain geographic locations: volatile hydrocarbons and organic compounds, such as methane (CH4)
  3. Relatively rare but reported toxic substances: for example vapours from cleaning products and halogenated solvents, emissions from motor vehicles, suphur and nitrogen-based products and fumes

Carbon dioxide (CO2) in excessive quantities increases the rate of breathing and in deeper diving causes respiratory risk. It also leads to minor perceptive changes, discomfort, dizziness or stupor and in extreme cases it may cause unconsciousness and even death.

Excessive moisture can make regulators freeze or fail to open. It also enhances corrosion and rust of the cylinders, thus interacting with filtration elements reducing filtration efficiency and generating chemical odours causing nausea and respiratory irritation.

As for oil, especially the smaller particles create health concerns as they will not be removed by the bodys' clearance mechanisms, as happens to the larger particles. The retained oil particles can cause inflammation. Oil mists may also cause a significant fire hazard.

Dust is hazardous to both our lungs as well as to fine regulator parts.

All these contaminations imply awareness by the diver, diligence by the dive station and knowledge by all!