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.
When I arrived home I filed papers with my primary health insurance carrier. (recall that DAN is a "secondary" insurance-it kicks in after your primary insurance does it's thing. My primary paid the majority of the medical bills, including $15,000 worth of "chamber rides.
After arriving home, and receiving that payment, I submitted uncovered bills, etc., to the DAN insurance people.
That policy reimbursed me for:
1)Some medical costs not covered by my primary insurance carrier.
2) The cost of two plane tickets home, when we could not reschedule on our original airline.
3) 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 a two week period.
4) 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, and to be medically cleared to fly.
(note: this was in 2004, it is possible that "things change")
The reimbursement for these items totaled approximately $2700, $2400 of which was for items 2, 3, 4, in the preceding list, costs which, obviously, were not covered by my regular health insurance.
As a result of this experience, I would never dive without the DAN insurance.
I give that product my highest endorsement, while hoping you never have to use it.
