DAN and other dive insurance companies-your experience with them?

[epic]

HAVE YOU OR SOMEONE YOU KNOW had medical treatment paid (chamber, evac, etc.) for by DAN or any of the other dive insurance companies? I'm wondering how well they
perform in getting quick treatment and paying the whole medical bill
quickly. Does the chamber accept the insurance as full payment in advance or do you need to put it on your credit card and get reimbursed? Was there a deductible or co-pay? I have DAN and have never had to do anything more then call them for advice. thanks

 

[CFDAlden]

I've never had to use my DAN policy, but, the way I understood things from reading is they bill YOUR insurance company first, then they cover whatever is not covered by them. Quick treatment is a must, so if you need a chamber ride, you'll not get denied.

 

[miked]

I have had to use my DAN , and that was very pleased with the entire process.
As CFDalden said, the DAN insurance policy is a "secondary insurance". That is, it "kicks in" after your regular health insurance has paid for what ever it ( the primary) covers.

In 2004, I had an incident of DCS2 while in Grand Cayman. I had to pay, by credit card, both the hospital fees and the separate chamber fee. I'm not sure if that policy applies in all hospitals/chambers or just the one I happen to be at.

When I arrived home I filed papers with my primary health insurance carrier.
They paid the majority of the medical bills, including $15,000 worth of "chamber rides".

After receiving that payment, I submitted uncovered bills, etc., to the DAN insurance people (The actual policy was from an insurance company who has an agreement with DAN). The paperwork seemed less noxious than typical insurance paperwork, and the service was very good.

That policy reimbursed me for:

Some medical costs not covered by my primary insurance carrier.

The cost of two plane tickets home, when we could not reschedule on or original airline.

The cost of shipping the home all our luggage, including dive gear, as I had written orders from the doctor to not carry, drag, or lift anything for two week period.

Most of the cost of three additional at the hotel, also the result of written orders from the doctor. The three days were required for more medical treatment.

The reimbursement for these items totaled approximately $2700.

As a result of this experience, I would never be without the DAN insurance.
I give that product my highest endorsement, while hoping you never have to use it.
Good luck,
Mike

 

[Steve50]

I have had to use my DAN , and that was very pleased with the entire process.
As CFDalden said, the DAN insurance policy is a "secondary insurance". That is, it "kicks in" after your regular health insurance has paid for what ever it ( the primary) covers.

In 2004, I had an incident of DCS2 while in Grand Cayman. I had to pay, by credit card, both the hospital fees and the separate chamber fee. I'm not sure if that policy applies in all hospitals/chambers or just the one I happen to be at.

When I arrived home I filed papers with my primary health insurance carrier.
They paid the majority of the medical bills, including $15,000 worth of "chamber rides".

After receiving that payment, I submitted uncovered bills, etc., to the DAN insurance people (The actual policy was from an insurance company who has an agreement with DAN). The paperwork seemed less noxious than typical insurance paperwork, and the service was very good.

That policy reimbursed me for:

Some medical costs not covered by my primary insurance carrier.

The cost of two plane tickets home, when we could not reschedule on or original airline.

The cost of shipping the home all our luggage, including dive gear, as I had written orders from the doctor to not carry, drag, or lift anything for two week period.

Most of the cost of three additional at the hotel, also the result of written orders from the doctor. The three days were required for more medical treatment.

The reimbursement for these items totaled approximately $2700.

As a result of this experience, I would never be without the DAN insurance.
I give that product my highest endorsement, while hoping you never have to use it.
Good luck,
Mike

Mike would you mind sharing how many chamber rides for $15,000 ? Where they in the neighborhood of 4 hours a piece?

 

[jim T.]

Anyone have Dive Assure policies and had chamber rides or other expensive claims with them?
Their policies are primary insurance as opposed to DAN. I'd especially be interested in hearing
about people who had to use them in foreign (other than the U.S.A.) countries to get through recompression chamber treatment and to get home. I've checked out their thread here on the forum, but no testimonials etc. to be seen there.

Thanks. Many dive shops are selling this insurance now. I've had a policy with them for a couple of years but haven't had to use it. Their customer service/question answering via emails has been exemplary though.

Thanks!

 

[STV_Keith]

I have had to use my DAN , and that was very pleased with the entire process.
As CFDalden said, the DAN insurance policy is a "secondary insurance". That is, it "kicks in" after your regular health insurance has paid for what ever it ( the primary) covers.
That policy reimbursed me for:

Some medical costs not covered by my primary insurance carrier.
Mike

I'm curious...what level of DAN coverage did you have at the time?

 

[miked]

Mike would you mind sharing how many chamber rides for $15,000 ? Where they in the neighborhood of 4 hours a piece?

There were 6, "table6" rides, each 5 hours in length.

 

[miked]

I'm curious...what level of DAN coverage did you have at the time?

It was/is the "preferred" level.

 

[diverdowndh]

I believe "preferred" DAN is what I have, hope I never have to use it. Did your primary insurance give you much grief? It sounded so easy from your post....