Do you have current dive insurance?

[littleleemur]

BamaCaveDiver - did that claim affect your current insurance with DAN? Are you paying more now & how did that affect the "lifetime" maximum clause?

Sometimes you can get bent even if you didn't deserve it, so it's always good have insurance.

[Chantelle]

Yep, I have Dan as well

[seasnake]

DAN for me too.

[acelockco]

Littlelleemur sent me this link:

http://www.scuba diving.com/training/basicskills/TN_basic_consumers_guide_to_dive_insurance

Take away the space between scuba and diving

[littleleemur]

Littlelleemur sent me this link:

http://www.scuba diving.com/training/basicskills/TN_basic_consumers_guide_to_dive_insurance

Take away the space between scuba and diving

I finally found the article! It is the same article except the online archive doesn't have the comparison table. If anyone would like a photocopy/scanned-emailed copy PM me your email/address.

Rodal'es October 2002 "Consumer's Guide to Dive Insurance.

[lars2923]

I'm self insured...
Anyone care to go diving?

[Papa Bear]

I have DAN and require it if you dive with me!

[BamaCaveDiver]

BamaCaveDiver - did that claim affect your current insurance with DAN? Are you paying more now & how did that affect the "lifetime" maximum clause?

Sometimes you can get bent even if you didn't deserve it, so it's always good have insurance.

No rate increases due to filing a claim, I pay the same as everyone else for the coverage I currently carry. Like any insurance, they do keep records of what has been paid out, so yes the claim did affect the lifetime maximum (if it did not affect the limit, then what would be the purpose of having the limit in the first place?).

It's funny, but I never really thought much about those lifetime maximums that all policies carry (who could ever go through a million dollars worth of medical treatment over the span of their lifetime?) until I saw the first hospital bill from my big accident of 10 years ago; at the two month mark of my hospitalization (spent 4 months in traction) the bill was already beyond the $300K mark. Since that time, I now look a bit closer at the maximum lifetime payouts.

[acelockco]

Well, how does that maximum work in this example:

You have the lower level of insurance with a maximum lifetime amount.

Then you have an incident

After your incident, you figure maybe I should upgrade to the top of the line policy that does not have any lifetime maximum.

Would you then have no maximum as if the first incident never happened?

[littleleemur]

Well, how does that maximum work in this example:

You have the lower level of insurance with a maximum lifetime amount.

Then you have an incident

After your incident, you figure maybe I should upgrade to the top of the line policy that does not have any lifetime maximum.

Would you then have no maximum as if the first incident never happened?

Acelockco:
I think the prior accident is considered a pre-existing condition and so even if you choose to upgrade, there will be parts where the upgrade will not be applied. & depending on what categories you used, it may not be worth upgrading for the remaining ones.

BamaCaveDiver:
It's great that you pay the same. Many companies increase what you pay after an incident. I was just wondering how the lifetime maximum would be applied by DAN as an injury or accident would qualify for many categories. So yes, that makes sense