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Comparison
Table - Student
comparison as of August 2002
|
Program Levels |
Coverage |
|
|
DiveAssure |
DAN |
|
Accident medical expenses / policy limit |
$ 25,000
|
$20,000
|
|
Decompression sickness (DCS) and Arterial embolism (AGE) including
hyperbaric treatment |
YES - Full coverage
|
YES - Certain limitations apply
|
|
Other in-water accidents |
YES |
NO |
|
Ear injuries |
YES |
NO |
|
Necessary medications |
YES - subject to a $25 deductible |
NO |
|
Medical examination and physician fees |
YES |
NO |
|
Travel Assistance |
YES |
NO |
|
Accidental Death |
N/A |
N/A |
|
Accidental Dismemberment or Paralysis |
N/A |
N/A |
|
Repatriation of remains |
N/A |
N/A |
|
Loss of personal diving equipment |
N/A |
N/A |
|
Depth Limit |
None |
None |
|
Membership benefits |
YES |
NO |
|
Membership and Coverage effective- |
Immediately. Membership certificate issued on-line |
After roster received by DAN (confirmed by DAN on a biweekly basis |
|
Program Fee |
$15
Membership included
Fee can be applied toward a full year membership upon graduation |
Complimentary
Membership NOT included |
| |
Comparison Table -
Gold
|
Program Levels |
Coverage
|
|
|
PADI
Gold
|
DAN
Master Plan
|
DiveAssure
Gold
|
|
Medical Assistance and Coverage / Policy Limit |
$100,000
|
$100,000 (Assistance)
$125,000 (Coverage, Lifetime Max) |
$250,000 |
|
Death (diving) |
$15,000 |
$15,000 |
$10,000 |
|
Disablement (diving) |
$15,000 |
$15,000 |
$10,000 |
|
Extra Accommodations
Extra Transportation |
$3,000
$2,000 |
$1,500
$1,000 |
$5,000 for
both –
combined |
|
Loss of Equipment (diving) |
$2,500 |
$2,500 |
$2,500 |
|
Repatriation of Remains |
$5,000 |
Yes |
$5,000 |
|
Diving Vacation Cancellation |
$5,000 |
None |
$1,000* |
|
Diving Vacation Interruption |
$2,500 |
None |
$1,000* |
|
Planned Maximum Depth |
None |
None |
None |
|
Deductible |
$250 where marked * |
No Trip cancellation
/interruption |
$100 only where marked * |
|
Annual program fee |
$65
|
$64
membership included |
$75
membership included |
| |
Comparison Table -
Platinum
|
Program
Levels |
Coverage
|
|
|
PADI
Platinum |
DAN
Preferred Plan |
DiveAssure
Platinum |
Medical Assistance and Coverage / Policy Limit
|
$275,000
|
$100,000 (Assistance)
$250,000 (Coverage) |
$500,000
|
|
Death (diving) |
$15,000 |
$15,000 |
$25,000 |
|
Disablement (diving) |
$15,000 |
$15,000 |
$25,000 |
|
Extra Accommodations
Extra Transportation |
$3,000
$2,000 |
$3,000
$2,000 |
$10,000 for
both –
combined |
|
Loss of Equipment (diving) |
$2,500 |
$2,500 |
$5,000 |
|
Repatriation of Remains |
$5,000 |
Yes |
$10,000 |
|
Non-Dive Accident medical
Coverage and assistance |
$15,000*
(Lifetime Max) |
$10,000*
(Lifetime Max) |
$10,000
(Per Occurrence) |
|
Diving Vacation Cancellation |
$10,000
(Annual benefit) |
$10,000*
(Lifetime Max) |
$10,000*
(Per Occurrence) |
|
Diving Vacation Interruption |
$5,000
(Annual benefit) |
$5,000*
(Lifetime Max) |
$10,000*
(Per Occurrence) |
|
Non-Dive Accident Coverage to immediate family members |
Yes |
No |
Yes |
|
Planned Maximum Depth |
None |
None |
None |
|
Deductible |
$250 where marked * |
$250 where marked * |
$100 where marked * |
|
Annual program fee |
$95-99
|
$99
membership included |
$95
membership included |
|
