If you are planning your vacation in a picturesque lagoon, then you will need sports insurance for underwater diving. The uninsured people are not recommended to go down under the water. Of course, the policy can’t protect you from the dangers of sea depths, but it can help you receive qualified medical care.
If we talk about group travel, the organizers have to verify the availability of these documents and demand all group members to be insured.
Underwater diving is risky even for an experienced diver in great health conditions with the necessary skills and knowledge of proper behavior in the sea. In force majeure situations, sports insurance for underwater diving provides financial protection in case of an accident.
Injuries and occupational diseases in underwater diving. The basic insurance risks.
Diving into sea depth and coming up to the surface, a person is exposed to a differential pressure. If a diver comes up to the surface violating safety procedures and if the respiratory mixture is selected without taking into account the depth and time of exposure then the risk of health consequences and even life threat is big.
Decompression sickness is an occupational disease of underwater divers which often leads to disability and even death. This is caused by vascular rupture, gas embolism and thrombi.
Sea depths are inhabited by predators that can shock, affecting the neurotoxin and the nervous system, immobilizing a person and stopping his or her breathing and palpitation. Contact with sharks or muraena is possible too.
It is possible to get physical injuries when exploring sunken ships
- Bruises;
- Damaged joints;
- Concussions.
Such underwater objects are real traps for underwater divers.
The coverage of underwater diving sports insurance
If you decide to purchase insurance for diving online or at the company's office then you will be offered accident insurance. It covers the accidents that might occur in the water and various diseases resulted by underwater activities.
Taking into account the fact that most places where people are involved in underwater diving are situated in foreign countries, travel insurance is required, as the effect of local documents does not extend to the territories of other countries.
The amount of compensations depends on the severity and type of damage.
- Temporary disability;
- Permanent disability (categories 1 and 2);
- Injuries and diseases which result in death.
The price of an insurance policy depends on several factors: age of the insured person, insurance period and insured amount.
The easiest way to register an insurance policy online is to apply to SPORT.INSURE employees. They can explain you the differences in the types of insurance products.