DiveSafe - Premium Dive Accident Insurance
Do you dive in the vicinity or abroad? DiveAssure's annual or short-term DiveSafe plans give you the coverage you need.
DiveSafe plans include medical bills, emergency medical evacuation, hyperbaric treatment and additional coverage.
Medical coverage is unlimited, and in the event of a dive accident, the insurance company pays for the hyperbaric chamber and other medical facilities around the world in real time, so you don't have to raise a lot of money yourself.
Duke Dive Medicine center - A leading team of hyperbaric medical experts will monitor, supervise and advise your evacuation to ensure you are receiving appropriate and professional treatment.
Do you have more than one diver in your family?
DiveAssure reduces the premium for all family members by 10% when the family enrolls together. Take advantage of this special offer.
CASE STUDY 1 When you damage someone else's property while traveling
While shopping while traveling abroad, I dropped it while lifting it to take a closer look at the products on display and ended up breaking it. After paying the store owner $100 for the broken product, he returned home with a receipt and confirmation. In this case, can I be compensated for the amount I paid in advance?
There are many doubts about whether or not you can receive compensation through overseas travel insurance even when you inflict damage to another person's body or property.
If you look closely at the special terms and conditions of overseas travel insurance, you can see that there is a clause that guarantees such cases, which is the ‘Special Terms and Conditions for Liability Coverage’.
In the special terms of liability for compensation, the insured (traveler) compensates for the damage suffered by the insured (traveler) bearing the legal liability for damage to the body or property of others due to an accidental accident during the trip.
In other words, as in the above case, compensation is possible for the amount compensated by damage to the property of a third party due to accidental negligence, not intentional.
However, since there are damages that are not covered by the special terms of liability, that is, there are exemptions, it is important to check directly whether the damage to be compensated falls under the exemptions under the terms and conditions.
CASE STUDY 2 When you have an accident while playing leisure sports
travel in resorts. After almost finishing scuba diving, while climbing to the surface, he was nervous and lost the oxygen respirator he was holding in his mouth. At the same time, a colleague who was nearby rescued me from drowning in the water and took me to the hospital. After treatment, I paid $750 and was discharged. In this case, will the paid travel insurance reimbursement for medical expenses?
In conclusion, there is no compensation in this case. Overseas travel insurance covers injuries that occur during travel, but has a disclaimer that does not compensate for specific acts or sports.
In clause 2 of the travel insurance terms and conditions, non-compensatory damages include professional climbing (climbing a rock wall using professional climbing equipment or climbing that requires special skills and experience), glider control, skydiving, scuba diving, hang gliding, or the like. Items that are not covered by insurance for damage incurred while engaging in activities related to such activities, such as similar campaigns, are listed (provided, however, that Paragraph 2 compensates when insurance premiums corresponding to the activity are received in advance).
The reason for not compensating for damages caused by the above acts is that the risk of the act is high enough to be incomparable with the risk of normal travel activities. This is because they cannot afford the loss ratio, which affects the existence of the travel insurance system.
Therefore, medical expenses due to accidents while scuba diving, such as these cases, fall under Article 2, Paragraph 1 of the general terms and conditions of overseas travel insurance mentioned above and cannot be compensated.
When traveling abroad, you can often see such high-risk leisure sports being integrated into package travel products. Nevertheless, if you want to enjoy these leisure sports more safely, it is helpful to pay additional premiums in advance or purchase leisure insurance separately. do.
CASE STUDY 3 When you become ill after the insurance expires
About two weeks after returning from a trip to the tropics, he began to feel sick with symptoms such as high fever, vomiting, and diarrhea. He went to the hospital and was tested for malaria, so he was hospitalized for three days and paid for inpatient treatment. In this case, will the travel insurance cover the cost of hospital treatment for diseases discovered after a considerable amount of time has elapsed after the trip?
Even if a disease is discovered after the expiry of the coverage period (travel period) according to the terms of overseas travel insurance, compensation is possible if the disease occurred during the trip was treated by a doctor within 30 days due to the direct cause.
However, not all diseases are covered until 30 days after the expiry of the travel period, and only those diseases that occur after an incubation period due to the nature of the disease are covered.
Therefore, if the symptoms of high fever, vomiting, and diarrhea occur after a certain period of time after overseas travel, the probability of infection is high, so it is necessary to receive a hospital diagnosis.
Since you started receiving treatment from a doctor within 30 days of your trip and you were diagnosed with an epidemic called malaria, you can be compensated based on your overseas travel insurance coverage for disease treatment.
As documents for claiming insurance money, if you make a claim with a medical certificate, receipt and statement of hospital treatment expenses, and a copy of your bankbook, it will be transferred to the relevant account.
CASE STUDY 4 When your belongings are lost or stolen while traveling
My wallet and camera were stolen while traveling. There were cash, credit cards, passports, etc. in the wallet, and the camera was also purchased just before the trip and was an item of great material value. In this case, if you go to the police station, report the theft immediately, and return to your country with a confirmation letter, how much compensation is possible?
There are points to be aware of when it comes to compensation for damage to personal belongings while traveling abroad. Currency (cash), securities, credit cards, stamps, air tickets, coupons, passports, etc. are excluded from compensation for damage to personal belongings even if they are stolen.
that there is no way. These items cannot be compensated, and in case of loss or theft, it will seriously affect your travel, so it is advisable to pay special attention. In addition, it should be noted that dentures, prosthetic limbs, and contact lenses, which are classified as body aids, are not compensated.
In this case, as mentioned above, cash, credit cards, and passports are not compensated, and even if it is a compensatory item, 10,000 won per item is stipulated as a compensation limit, not the full amount of the stolen item. It is compensated after deducting the deductible amount of Won.
Of the items mentioned, there is no depreciation for the camera as it was purchased just before the trip. Documents will be transferred to your account when you make a claim with the police accident confirmation letter, invoice, statement of damaged goods, and a copy of the passbook.