CDC Dive Benefits
Immediate Emergency Medical Expenses
It means expenses necessarily incurred by the Insured for physician services, physician ordered services, and local emergency medical transportation at the time of the Accident/Injury.
Search and Rescue
Shall means activities authorized and instigated by or on behalf of the local Coast Guard, Police or other National or International . Emergency service responsible for safety at sea to rescue or save the Insured
Reasonable Transportation Costs and Accommodation Expense means:
The costs to return the Insured to their Ordinary Place of Residence. This cover extends to the Insured’s immediate family (partner and children) and/or travelling companion if the Insured was accompanied by them at the time of the accident/injury if these costs are not covered by a more specific policy and have been agreed by the Claims Administrator the costs to search, recover and repatriate the Insured’s mortal remains.
Post treatment Hotel or Accommodation costs when these are incurred due to medical advice not to travel or fly subsequent to a diving accident/injury if these costs are not covered by a more specific policy.
Costs associated with travelling to and from a hospital or clinic more than 30 miles from your normal place of residence to obtain medical opinion or ongoing treatment after a diving accident or injury incurred under this policy.
Shall means recreational snorkelling, recreational breath hold Free Diving and Apnoea, spearfishing without the use of Scuba and or recreational diving whilst wearing or using standard manufacturers diving equipment made for the purpose for either SCUBA or surface supply diving and until the Insured stops using and removes said equipment.
Permanent Total Disability
Shall mean disability which entirely prevents the Insured from attending to any business or occupation of any and every kind to which the Insured is suited by way of training or education and lasts 365 days and at the expiration of that period is beyond hope of improvement
Loss of Limb
Means loss or physical separation of a hand at or above the wrist or a foot at or above the ankle and includes total and irrevocable loss of use of hand, arm or leg.
After the Event Medical Expenses means:
Medical expenses incurred as a result of a covered loss after returning home to the address stated to us by the Insured at the time of taking out this insurance for medical physician ordered services, approved medical therapies, medically approved alternative remedies & treatment, PFO tests, and PFO closures when deemed medically necessary and subject to them not being recoverable from any other source.
Other agreed medical and surgical procedures required as a consequence of the injury claimed for under this policy that are covered by another source but are accepted by the Company and/or its Claims Administrator as being unreasonably delayed.
Fitness to return to diving examinations following a covered loss under this policy by an approved diving medical physician agreed by the Company and/or their Claims Administrator.
Click here for detailed policy wording on dive benefits.