Annual Membership Comparison

Membership

You will want to note the following points when comparing membership.

Travel Assist Benefits only apply to Plus & Master Members

Depth you are covered for on this membership

WITH DAN MEMBERSHIP YOU RECEIVE AUTOMATIC DIVE MEDICAL COVER & HAVE A CHOICE BETWEEN DIFFERENT MEMBERSHIP LEVELS
	STANDARD PLAN Max Depth: 40m	PLUS PLAN Max Depth: 40m	MASTER PLAN Max Depth: 100m
BENEFITS	SUM INSURED			EXCESS
1. DAN DIVE MEDICAL COVER – Applies to individual DAN-SA Members and for Diving Related Accidents only.
MEDICAL EXPENSES 1A. Emergency Medical Expenses – Diving related injury/illness 1B. Limited Follow-up Treatment 1C. Hospital Confinement (daily benefit R200 for maximum 10 days) – Hospital Confinement ICU (daily benefit R200 for maximum 10 days)	STANDARD R300,000 R25,000 R2,000	PLUS R500,000 R25,000 R2,000	MASTER R600,000 R25,000 R2,000	None R500
2. FAMILY SUPPORT
2A. Accidental Diving Related Death	R15,000	R20,000	R25,000	None
3. TRAVELASSIST (Benefit can be extended to family members, restricted to non-diving emergencies – See Terms & Conditions)
Non-Diving related emergency medical expenses covered only when travelling & treated outside country of registered residence. (Terms & Conditions Apply) Pre-existing medical conditions as per the definition are specifically excluded. 3A. Medical Evacuation, Repatriation Expenses or Transport to Medical Centre Expenses when ever travelling more than 100km from home. 3B. Accompanying Family Member (limited to one person only) 3C. Return of children 3D. Return of Travel Companion 3E. Return in case of Death or Imminent Death of a relative or Business Associate 3F. Legal Assistance abroad 3G. Return of Mortal Remains / Burial Expenses 3H. Coffin Expenses 3I. Assistance Services Cash advances Consular Referral Emergency travel and accommodation arrangements Transmission of urgent messages	Not Applicable Actual Costs R15,000 R15,000 R15,000 Assistance Service Actual Costs R10,000 Assistance Service Assistance Service Assistance Service Assistance Service Assistance Service	Same as 1A Above R500,000 Actual Costs R15,000 R15,000 R15,000 Assistance Service Actual Costs R10,000 Assistance Service Assistance Service Assistance Service Assistance Service Assistance Service	Same as 1A Above R600,000 Actual Costs R15,000 R15,000 R15,000 Assistance Service Actual Costs R10,000 Assistance Service Assistance Service Assistance Service Assistance Service Assistance Service	None None None None None None None None None None None None None None
4. BAGGAGE LOSS
Loss or damage of Diving gear left on site as a direct result of an emergency medical evacuation	R5,000	R7,500	R10,000	15% of claim (Min R100)
5. PERSONAL LIBILITY COVER
Bodily Injury / Material Damage	NIL	NIL	R2,000,000	NIL

IMPORTANT POINTS TO REMEMBER

*TravelAssist:

DAN must be contacted in the event of a medical emergency requiring evacuation to access the TravelAssist benefits and in the event of any diving injury. You must advise DAN if you are travelling outside your country of residence for longer than 90 days. International cover is limited to 90 days from the date of departure. You must contact DAN if you require an extension of this cover.

** DAN coverage is secondary coverage. Wherever possible DAN will arrange for expenses to be covered firstly by any other Travel or Medical insurance you may have.

Lost/damaged diving gear is only covered if it was lost or damaged as a result of a claimable accident or evacuation.

To ensure cover, DAN must be contacted in the event of any covered emergency or loss.

As with any insurance, there are specific conditions

WHAT IS NOT COVERED

In order to meet the requirements of Insurance Law and the Medical Schemes Act, DAN cover has to comply with the purposes of its mission. Certain medical conditions would also significantly increase the cost of cover to our members and have therefore been excluded in the interest of the vast majority of our members. Below is a list of some of the main exclusions. For a full list of exclusions, please refer to the full DAN Membership wording.

IMPORTANT EXCLUSIONS:

Hazardous pursuits, sports or activities which dramatically increase the possibility of injury are excluded for example:

• Riding Motorcycles • Bungee jumping • Abseiling White water rafting • Hiking without a recognized guide or on an unmarked trail • Mountaineering with ropes • Diving to a depth outside your qualification and training, or beyond the specified limit of your cover (max 40 meters for Standard and Plus members; 100 meters for Master members – DAN Must be contacted for all dives deeper than 100 meters).

Pre-existing medical conditions are excluded from cover. Specifically:

• cardiac, cardiovascular (heart attack), vascular (poor circulation) or cerebro-vascular (stroke) diseases are not covered. They represent contraindications to diving. Note that myocardial infarction and stroke are specifically excluded from this cover
• intervertebral disk prolapse, irrespective of whether it develops in association with diving or diving-related activities
• travelling against medical advice;
• injuries sustained while being under the influence of alcohol or drugs; and
• participating in sport as a Professional athlete / player.

IMPORTANT: Search and Recovery is not covered as part of your DAN Membership.

IMPORTANT: Working on a Cruise Ship or boat traveling from one country to another is not covered as part of your DAN Membership.