DAN coverage is made up of two components:
Membership and optional Dive Accident Insurance.

Follow these simple steps to determine the best coverage for your diving needs:

Step 1:  Become a DAN Member: Review the benefits under DAN Membership. Importantly, DAN membership alone does not cover treatment costs associated with a covered diving accident. 

Step 2: Add Dive Accident Insurance for treatment costs associated with a covered diving accident occurring outside the Commonwealth of Australia: Review the benefits under the Master and Preferred Plans.

Step 3: Select ‘Join’ and complete the eApplication with your Membership and optional Dive Accident Insurance preference. 

DAN WORLD MEMBERSHIP BENEFITS
DAN TravelAssist Benefits • Emergency Medical Transportation • Repatriation of Mortal Remains • Repatriation for Additional Care • Local Burial • Visit of a Family Member or Friend (includes Travel Companion) • Emergency Return Home – Family Death • Return of Dependent Children • Return of Travelling Companion For descriptions, review Benefit Document HERE.
	AUD$250,000 Included Included Included AUD$1,500 sublimit Included Included Included
Digital Alert Diver Monthly
	Yes
24/7 Emergency Hotline
	Yes
Medical Information Line
	Yes
Online Safety Resources
	Yes
Access To Purchase DAN Dive Injury (Treatment) Insurance
	Yes (see below)
Annual Individual Membership
	AUD$82.50

DAN WORLD MEMBERSHIP BENEFITS
DAN TravelAssist Benefits • Emergency Medical Transportation • Repatriation of Mortal Remains • Repatriation for Additional Care • Local Burial • Visit of a Family Member or Friend (includes Travel Companion) • Emergency Return Home – Family Death • Return of Dependent Children • Return of Travelling Companion For descriptions, review Benefit Document HERE.	AUD$250,000 Included Included Included AUD$1,500 sublimit Included Included Included
Digital Alert Diver Monthly	Yes
24/7 Emergency Hotline	Yes
Medical Information Line	Yes
Online Safety Resources	Yes
Access To Purchase DAN Dive Injury (Treatment) Insurance	Yes (see below)
Annual Individual Membership	AUD$82.50

DAN World TravelAssist^® benefits are provided by DAN World, Travel Guard, and other service providers depending on the benefit. To access these benefits or to request emergency medical transportation, you must contact DAN TravelAssist for assistance. Emergency medical transportation arranged directly by you may not be reimbursed.  Emergency Medical Transportation and Travel Assistance Benefits are insured benefits underwritten by Accident & General Insurance Company, Ltd., a Cayman Islands based insurance company with its principal place of business at c/o Artex Risk Solutions (Cayman) Ltd., P.O. Box 10233, Leeward 1, Suite 200, Regatta Office Park, George Town KY1-1002 Grand Cayman.

DAN dive accident insurance is an affordable way for divers to obtain insurance against the costs of dive injuries that are often left uncovered by typical health insurance. 

• Covers diving accidents & injuries that occur outside the Commonwealth of Australia 
• Pays 100% of eligible accident medical expenses up to limit: Master $150,000 / Preferred $300,000 
• Become a DAN Member, then add your insurance preference 
• Plans are recognised worldwide 
• Annual coverage 

BENEFIT/COVERAGE CONDITIONS
Coverage for Decompression Illness (DCI), which includes both Arterial Gas Embolism (AGE) & Decompression Sickness (DCS) PLUS all covered in-water snorkelling & scuba diving injuries sustained on a Covered Dive or Repetitive Dive Series
MASTER AUD$88*	Up to AUD$150,000 This sum covers hyperbaric & physicians fees and medical supplies used in the treatment.
PREFERRED AUD$143*	Up to AUD$300,000 This sum covers hyperbaric & physicians fees and medical supplies used in the treatment.
Accidental death & dismemberment benefits resulting from a covered Diving Accident
MASTER AUD$88*	Up to AUD$10,000
PREFERRED AUD$143*	Up to AUD$15,000
Total & Permanent Disability benefits arising from a covered Diving Accident (up to age 65)
MASTER AUD$88*	Up to AUD$10,000
PREFERRED AUD$143*	Up to AUD$15,000
Maximum diving depth for coverage
MASTER AUD$88*	50m
PREFERRED AUD$143*	Unlimited
Age
MASTER AUD$88*	12-80
PREFERRED AUD$143*	12-80
Depth Conditions
MASTER AUD$88*	Certified Divers
PREFERRED AUD$143*	In the event of a dive injury insurance claim for a depth beyond 50m, a Member will be required to demonstrate that he/she held an appropriate certification and experience for the dive and was using appropriate breathing gas mixes and equipment during the covered dive or Repetitive Dive Series.
Product Disclosure Statement & Cover Terms
MASTER AUD$88*	Review Policy
PREFERRED AUD$143*	Review Policy

BENEFIT/COVERAGE CONDITIONS	MASTER AUD$88*	PREFERRED AUD$143*
Coverage for Decompression Illness (DCI), which includes both Arterial Gas Embolism (AGE) & Decompression Sickness (DCS) PLUS all covered in-water snorkelling & scuba diving injuries sustained on a Covered Dive or Repetitive Dive Series	Up to AUD$150,000 This sum covers hyperbaric & physicians fees and medical supplies used in the treatment.	Up to AUD$300,000 This sum covers hyperbaric & physicians fees and medical supplies used in the treatment.
Accidental death & dismemberment benefits resulting from a covered Diving Accident	Up to AUD$10,000	Up to AUD$15,000
Total & Permanent Disability benefits arising from a covered Diving Accident (up to age 65)	Up to AUD$10,000	Up to AUD$15,000
Maximum diving depth for coverage	50m	Unlimited
Age	12-80	12-80
Depth Conditions	Certified Divers	In the event of a dive injury insurance claim for a depth beyond 50m, a Member will be required to demonstrate that he/she held an appropriate certification and experience for the dive and was using appropriate breathing gas mixes and equipment during the covered dive or Repetitive Dive Series.
Product Disclosure Statement & Cover Terms	Review Policy	Review Policy

Please note that all words in italics are defined in the policy wording and you should refer to this wording plus the product disclosure statement before deciding whether this product is appropriate for your needs.

Honan Insurance Group Pty Ltd  (ABN 67 005 372 396 AFSL246749) (“HIG”) has appointed DAN World Ltd (ABN 55 324 165 878) (“DAN”) as its authorised representative (AR No. 001274753) to arrange the Dive Injury Insurance Plans. The Dive Injury Insurance Plans are issued by AIG Australia Limited (“AIG”) (ABN 93 004 727 753 AFSL 381686) and are subject to terms, conditions and exclusions.

HIG is a member of the National Insurance Brokers Association (“NIBA”) and has formally adopted the 2022 Insurance Brokers Code of Practice (“the Code”). HIG and DAN, as its authorised representative commit to act in accordance to the Code Principles. A copy of the Code is available on the NIBA website (www.niba.com.au).

Our Services – As an authorised representative we will assist with arranging insurance with AIG, answering queries regarding the AIG policies, providing general recommendations or general advice only regarding the AIG policies and notify HIG of a claim or potential if an insured event occurs.

When providing information regarding the AIG policy, we will not take into consideration your personal objectives, financial situation or needs. We are not authorised to provide you with personal advice.

Payment: This cover provided under the Group Policy and Terms is subject to payment of premium. Your premium is collected at time of enrolment or renewal.

We do not receive any remuneration or other benefit from HIG for assisting with arranging the insurance policies.

Your Insurance Premium includes the cost of these fees / included in your premium fee

For the insurance policy we arrange for you, the insurer will charge a premium that includes relevant taxes, charges and levies. We will collect the premium from you when we arrange a policy for you. The premium we collect from you for an insurance policy is paid to HIG and banked into HIG’s trust account. HIG received a fee that is equivalent to 11% of the aggregate monthly premium paid to the insurer. On the Master Dive Injury Insurance Plan, HIG receives a fee of $9.60 plus GST and on the Preferred Dive Injury Insurance Plan, HIG receives a fee of $15.60 plus GST. HIG retain this fee and remit the balance to the insurer.

This website contains information of a general nature only and does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances.  It is important for you to consider these matters and read the Terms above, Product Disclosure Statement (“PDS”) and policy before you make a decision about an insurance product. You can obtain a copy of the FSG and PDS by calling 03 9886 9166 or in the link below.  

DAN arranges the Travel Assist Benefits independently of HIG. DAN TravelAssist services are provided under a service contract with Travel Guard of Stevens Point, WI, USA. Service Fees and/or premiums for DAN TravelAssist are paid from DAN membership dues.

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