Make sure you fill out and send the accident form within 60 days from the date of the incident.

• 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).

Already immersion itself can trigger certain physical reactions. This can have an unfavourable effect especially on older divers.

• Fluid shift into the body core
• Constriction of the blood vessels of the skin
• Significant increase of urine excretion

The inevitable consequences of these immersion effects are significant fluid loss. In the elderly, this can have a particularly unfavourable effect, because they often tend to drink less anyway. Especially in summer or in (sub) tropical climates dehydration can quickly occur and cause serious diving accidents. “Thick blood” cannot properly contribute to removal (elimination) of inert gas. These immersion effects are especially risky for the cardiovascular system. The fluid shift into the centre of the body forces the heart to suddenly pump more. If skin circulation is reduced as well, the heart has to work against an even higher resistance.

Possible direct consequences are:

• acute hypertension
• circulatory disorders of the heart
• triggering cardiac arrhythmias
• acute breathlessness

Not only pre-existing heart disease may lead to serious health situations in or underwater but also increased risk of drowning as well as sudden cardiac death exist.

Deals, free seminars, discounts, etc. Find out more on the webpage devoted to these advantages.

No, while purchasing an insurance plan, you will also pay for your Membership fee. Therefore, you can directly take out an insurance plan without having to activate your Membership first, separately.

Yes, you can add an insurance plan to your Membership anytime, through an upgrade on your MyDAN.

Yes, you can.
For a small 27.50 € annual fee, you can get the DAN Membership and join the great DAN community without having to take out an insurance plan.

• Whenever possible, the insurer directly takes on the covered medical expenses, so that you do not have to pay upfront. To do so, ensure that you provide the documentation which DAN Europe will request by email.

• Having said that, direct payment is not always feasible – 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).

• You get to talk with expert doctors.

• You are informed about the best facility nearby and how to get there.

• You receive support to arrange your medical evacuation, if deemed necessary.

• You may have medical expenses taken care of, so that you don’t have to pay upfront;​​​​​​.

• Yes, our diving medical officers can provide assistance in over 20 languages, including English, French, German, Spanish, Italian, Dutch, Polish.
• When you call the Alarm Center, an English-speaking operator will initially gather your basic information (name, location, contacts).
• Following that, the operator will reroute your call to a diving medical officer who speaks your language, based on availability.

You can rely on an array of alternative channels:

• You can send an urgent help request, along with your GPS location, via the “SOS” button on the DAN Europe App. We will then promptly contact you by phone and email.

• You can make a call via the internet.

• You can fill out the online form. 

Additionally, you can send an email to [email protected]. In that case, please always provide:

• Your location.

• Information about problem you are experiencing

• A telephone number where we can reach you (no WhatsApp/Skype)

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.