Type II DCS in the Maldives

Dive Accident Case Summary

Twenty minutes after surfacing, a DAN member in the Maldives experienced vertigo, shoulder pain, tingling sensations and a rash. When he arrived at the local clinic he was unable to stand, and over the next several days he underwent six hyperbaric treatments.

This member’s Guardian dive accident insurance plan covered the majority of his medical treatments, his lost liveaboard expenses, trip cancellation fees for his future scheduled dive trip and extra accommodations fees he incurred during treatment. His membership benefits alone paid 100% of his repatriation costs and travel assistance services.

Chart of medical and emergency transportation expenses covered by DAN dive accident insurance


24/7 Emergency Hotline

In event of a dive accident/injury, call local EMS first, then call DAN.

24/7 Emergency Hotline

+1-919-684-9111

(Collect calls accepted)

DAN must arrange transportation for covered emergency medical evacuation fees to be paid.

Medical Information Line

Get answers to your non-emergency related, health and diving questions.

PHONE: Mon-Fri 8:30am-5:00pm EST

+1-919-684-2948, Option 4

EMAIL: medic@dan.org

ONLINE: Ask A Medic

Allow 24-48 hours for a response.


Individual had primary medical insurance. Eligible medical expenses not paid by primary medical insurance were covered under DAN’s TravelAssist member benefit and DAN’s Guardian Plan. The scenario summarized above is offered only as an example. Coverage depends on the facts of each case and the terms, conditions and exclusions of the policy. Coverage may not be available in all states or outside of the U.S.

For residents of NY, insurance is underwritten by The United States Life Insurance Company in the City of New York, NAIC No. 70106 domiciled in the state of New York, with its principal place of business of 28 Liberty Street, Floor 45th, New York, NY 10005-1400. It is currently authorized to transact business in all states, plus DC, except PR. This summary is a brief description of benefits only and is subject to the terms, conditions and limitations. Coverage may vary by state.  AG 12070

For residents of all other U.S. states and the District of Columbia insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company with its principal place of business at 1271 Ave of the Americas FL 37, New York, NY 10020-1304. It is currently authorized to conduct insurance business in all states and the District of Columbia. NAIC No. 19445. This summary provides only brief descriptions of the coverages available. The issued policy and certificate will contain reductions, limitations, exclusions, definitions and termination provisions. Full details of the coverage will be contained in the issued policy and certificate. If there are any conflicts between this summary and the issued policy and certificate, the policy and certificate shall govern in all cases. Coverage may vary by state or may not be available in all states.

In Canada, DAN World Dive Accident Insurance is underwritten by Zurich Insurance Company Ltd (Canadian Branch) 100 King Street West, Suite 5500, P.O. Box 290, Toronto, ON M5X 1C9 CANADA