If the insured has consumed alcohol or taken medicine earlier than diving, the insurance coverage firm could refuse to pay compensation within the occasion of an accident.
Ailments attributable to a speedy lower within the stress of the encompassing setting can happen if an individual quickly ascends again to the floor whereas diving. If nitrogen can’t be expelled in time, bubbles could kind within the physique, resulting in dizziness, vomiting, weak point within the limbs, and joint ache. In extreme circumstances, it might probably even result in paralysis and demise.
As diving depth will increase, the focus of nitrogen within the water additionally rises. If an excessive amount of nitrogen dissolves into the blood and nerve tissue, it might probably produce toxicity, inflicting signs just like intoxication, impaired judgment, slowed response time, and even hallucinations. This may simply result in critical errors and errors, leading to life-threatening conditions.
When diving, water stress adjustments quickly with depth. If the physique’s “air chambers,” such because the ears, nostril, and lungs, can not stability the stress distinction between the within and outdoors of the physique in time, tissue harm could happen, leading to signs similar to ear ache, tinnitus, nosebleeds, and problem respiratory. In extreme circumstances, it might probably even result in pneumothorax and air embolism.
*The default journey vacation spot is Asia.
*The above info is for reference solely as of January 26, 2026. All info is topic to the bulletins of the related insurance coverage firms.
Medical bills restrict for diving accidents and most compensation for emergency medical help
Decompression chamber remedy price
If an accident happens throughout diving and causes a diving-related sickness, emergency remedy in a decompression chamber is normally required, which can incur medical bills of over HK$100,000. Typically, so long as the insured has not violated any exclusions for high-risk actions within the insurance coverage plan, the insurance coverage firm will cowl emergency medical help bills. Nevertheless, since there may be normally a cap on the protection for remedy and follow-up visits, and decompression chamber charges are excessive, if a number of therapies are required, the coverage could not absolutely cowl the remedy prices.
Most compensation for emergency medical transport
Diving carries inherent dangers; incidents similar to assaults by marine life, sudden sickness, or gear malfunction can happen. Diving websites are sometimes removed from city areas, and medical amenities is probably not satisfactory. Subsequently, emergency medical transport is essential when extra superior medical care is required and a switch to a different hospital is critical. When contemplating an insurance coverage plan, along with a 24-hour emergency help hotline, it’s important to test whether or not it covers emergency medical transport companies.
Guidelines for earlier than buying diving insurance coverage
When selecting journey insurance coverage, it is advisable rigorously evaluation the phrases and situations concerning high-risk actions within the plan based on your personal wants, and choose probably the most appropriate journey insurance coverage plan:
- Does it cowl high-risk actions?
- Does it cowl snorkeling/scuba diving/freediving?
- Is it essential to be licensed or accompanied by a certified particular person or coach to be eligible for insurance coverage?
- Diving depth restrict
- Does it cowl harm to diving gear?
- Abroad remedy price restrict
- Does it embody 24-hour emergency help?
- Emergency medical and physique transport companies
- Numerous Uninsured Gadgets
Diving accident declare insurance coverage course of and suggestions
Earlier than touring, policyholders should save the insurance coverage firm’s 24-hour emergency help hotline. Within the unlucky occasion of an accident, they need to instantly search medical help and report the incident. If the state of affairs is critical, they should contact the insurance coverage firm to tell them of the state of affairs and make emergency medical preparations. Most insurance policy have a declare deadline. The insured should fill out a kind and acquire all crucial paperwork earlier than the deadline and submit the declare software by mail, in particular person, or on-line. If the paperwork are full, the insurance coverage firm will take roughly 4 to 12 weeks to evaluation the paperwork and full the claims course of.
Declare Tip 1: Search quick medical consideration and report the incident to the police.
Within the occasion of an accident, it is best to search medical consideration and report the incident instantly. Delaying reporting could consequence within the denial of compensation. If emergency rescue is required, you possibly can name the insurance coverage firm’s 24-hour emergency rescue hotline.
Declare Tip 2: Put together all related paperwork
Insurance coverage firms usually require full documentation earlier than processing a declare. Subsequently, it’s crucial to gather and protect varied paperwork to make sure a clean claims course of. These paperwork embody:
- Diving course certificates/diving file
- A acknowledged physician’s analysis certificates should embody the insured’s identify, signs, date of remedy, and receipt.
- A certificates issued by a physician proving the severity of the incapacity.
- Authentic hospital invoice
- Police report
- Invoices for emergency transport or helicopter companies (if emergency transport help is concerned).
Declare Tip 3: Don’t submit the identical doc repeatedly.
If any paperwork are lacking, they are often uploaded or despatched to the insurance coverage firm throughout the specified interval. Nevertheless, don’t submit the identical doc repeatedly to keep away from being denied compensation.
Declare Tip 4: Take note of the declare deadline
Totally different insurance policy have totally different necessities. Policyholders usually must notify the insurance coverage firm in writing and supply related supporting paperwork inside 21 or 30 days of the incident to course of the declare. Some insurance coverage firms supply on-line declare platforms the place candidates can fill out types and add related paperwork on-line to file a declare. If making ready the required paperwork takes longer, candidates can contact the insurance coverage firm for help.
Ideas for buying diving journey insurance coverage
1. Fastidiously learn the claims phrases and protection particulars.
Policyholders ought to rigorously learn the claims phrases, evaluation the claims course of, closing dates, and required paperwork, and take note of the plan’s medical protection, abroad medical protection, most private accident compensation, and protection quantity for follow-up medical bills in Hong Kong.
2. 24-hour emergency help and emergency medical transport companies
Along with a 24-hour emergency help hotline, since diving websites are sometimes positioned in distant areas, it is best to have journey insurance policy that cowl emergency medical care and physique transport companies, and test their most protection limits. Earlier than departure, the insured ought to be aware down emergency service hotlines for unexpected circumstances.
3. Evaluation the exclusions.
Even when journey insurance coverage covers diving actions, it’ll nonetheless listing varied exclusions. After planning their journey, the insured wants to decide on probably the most appropriate journey insurance coverage primarily based on their exercise necessities. Earlier than buying, they need to rigorously evaluation and examine the protection and exclusions provided by totally different insurance coverage firms.
Kwiksure supplies totally different ranges of Journey insurance coverage to satisfy your wants. It covers medical look after high-risk actions, accidents, and private property loss. Let’s request a quote and apply for insurance coverage immediately by way of WhatsApp.
Continuously Requested Questions
Is it lined by insurance coverage if I haven’t got a diving certificates (underwater strolling/introductory diving)?
Most journey insurance policy that cowl high-risk actions will cowl leisure diving inside a specified space and at a restricted depth. If the insured doesn’t have a diving license, most insurance policy would require the diver to be accompanied by a certified particular person or teacher as a way to be lined. If an accident happens whereas diving alone, no compensation will probably be offered. Subsequently, it is best to rigorously learn the phrases and situations when buying insurance coverage.
Are underwater cameras/computer systems lined by insurance coverage if misplaced or broken?
If the misplaced or broken gear is private gear, it will likely be lined underneath private baggage and property insurance coverage, and compensation will probably be offered in accordance with the depreciation of the property. Some insurance policy assist you to add additional sports activities gear protection, which will increase the protection quantity for sports activities gear and covers gear rental prices attributable to a 12-hour delay in baggage.
Is freediving thought-about a high-risk exercise? Is it lined by insurance coverage?
Journey insurance policy outline freediving as a high-risk exercise. When buying journey insurance coverage, it is best to take note of whether or not the phrases cowl freediving and test the water depth and diving qualification necessities.
Beneath what circumstances are diving accidents not lined by compensation?
Even when a journey insurance coverage plan covers high-risk actions, the insurance coverage firm has the fitting to refuse compensation if the diving exercise falls underneath any of the exclusions listed within the plan. Frequent exclusions embody actions which are business competitions or paid occasions, the insured being knowledgeable athlete, the diving space and depth exceeding the protection restrict, and the insured not being accompanied by a certified particular person or teacher.