Reso diver insurance. TIT - Insurance of tourists traveling abroad. What is dive insurance

The topic is very important, necessary and useful for every diver. Answer yourself the question - how important is your own health to you and how much are you willing to spend on your treatment and salvation? I think that the answer to the first question is "Yes", and to the second - "I would like to spend as little as possible." But in the case of diving, the main costly procedure will not be removing sea urchin needles from your priest, but paying for the services of a rescue service and a pressure chamber. And these services, oh, how expensive, especially outside the borders of the Motherland. This is where an insurance policy comes in handy. It remains only to choose which one. Let's start with the simplest and "cheapest" options. There is a very good service on the network for the selection and sale of insurance policies for travelers - "Turtle". Yes, yes, that’s right, I didn’t describe myself and didn’t make a mistake. So, this is an excellent service for selecting and buying insurance for both tourism and "extreme" types of recreation in particular. Just remember to add the "Diving" option in the "Sports and Activities" tab, because. standard travel insurance does not cover diving related accidents unless this option is specified separately. You can take out insurance for any period and with any additions using the form below or by clicking on

When traveling abroad, if an insured event occurs and you contact a doctor or a pressure chamber, you will need confirmation from your insurance company that it will pay for all services. Without this confirmation, they will not provide you with assistance, or they will offer to provide it on the condition that you pay for the services yourself on the spot, and then you will deal with the insurance company yourself, of course, you will be provided with all the documents for this. And here comes the most ticklish moment. If your insurance company has a good and competent support service that quickly confirms that all services will be paid for, everything is fine, assistance will be provided quickly and on time. If the support service is “not very good”, does not speak foreign languages, does not know what documents to send for confirmation, your only choice is to pay for everything yourself, and this can be a very considerable four-digit amount in foreign currency, or even more. But there is another way. An insurance policy from DAN (Divers Alert Networck Europe) is accepted in almost any country in the world immediately and without problems (Russia stands out sadly from the exceptions known to me). The policy is issued online directly on the website of the organization and paid by card. The contract comes to your e-mail along with an electronic version of the policy, which, in principle, is enough. The plastic card of the insurance policy will come to your postal address later. To obtain an insurance policy, simply go to https://www.daneurope.org/web/guest , click the Join / Renew link and follow the instructions. For those who do not speak English well, below is an instruction in pictures on how to fill out the registration form.

If you would like to add additional options to your insurance, such as non-diving insurance for family members, etc., then check the appropriate boxes. An additional fee will apply.

DAN also has its drawbacks. This insurance works great abroad, but in terms of diving in Russia it is not the best option. The fact is that the documents provided by medical institutions of the Russian Federation do not meet the standards set by this insurance company. Therefore, with the receipt of payments, while undergoing treatment in Russia, sometimes there are problems that have to be solved with some effort.

And now the most important point - any policy from any insurance company will work strictly in as part of your certification. Therefore, we advise fans of passing arches on one balloon and other “carrots” for 80+ to find out in advance the cost of repatriation from the country of your holiday and have the necessary amount in your pocket or on the account of relatives. Also remember that in the pressure chamber you will be required to present the computer with which you dived, and if you replace it with a device of a more disciplined "neighbor", then the treatment may not be effective.

Have a nice and safe dive, friends, and may you never need your insurance policies!

If you are going on a trip abroad, it is highly recommended to purchase health insurance. First of all, it will significantly save your finances when seeking medical help, which may be needed at any time. Especially in the so-called "risk group" are those who travel not only well, but also actively relax by taking up extreme sports, such as diving.

The main reasons why diving enthusiasts seek medical help are as follows:

deep wounds from sea urchin needles, which can pierce a wetsuit and human skin;
severe burns, allergic reactions, inflammation and irritation from encounters with marine life;
electric shock to a stingray or eel;
serious injuries to internal organs caused by sudden pressure drops.

How to choose the right diving insurance

Before you buy an insurance policy for a diver, you should pay special attention to some details. First, the territory in which the insurance is valid must be clearly marked. Secondly, pay attention to the validity period of the insurance policy, especially if you play sports all the time. Some programs offer long-term insurance, subject to repeated trips during the year.

Particular attention should be paid to the insurance program. The standard package includes evacuation to a medical institution, the provision of emergency medical care, hospital stay, the extended program includes the provision of treatment services in a pressure chamber, repatriation if necessary. If you buy diver insurance, make sure that all of the above clauses are covered in the contract.

In addition to the basic medical services included in the insurance policy, it is recommended to take advantage of additional opportunities that may be required in case of special risks.

For example, if a diver needs urgent hospitalization, he can contact relatives who can visit him in the hospital (if this service is included in the insurance contract).

If the insured person has small children, whose stay in the hospital together with the victim is inappropriate, it is possible to evacuate them to their homeland.

There are cases when, for one reason or another, it is necessary to organize a search and rescue operation to save the victim. If this service is stipulated in the policy, the insurance company compensates the costs.

Divers can also insure their luggage, including sports equipment. The latter service is very popular, because professional sports equipment is very expensive.

Another type of insurance that can be useful for diving enthusiasts who go in groups is liability insurance. During the dive, there is a great risk of damaging not only your own, but also someone else's equipment, inadvertently harming other divers. If you have an insurance policy that covers these risks, the material costs of the victims will be compensated by the insurance company.

Attention! When buying insurance for a diver, it is important to remember that in the event of an insured event that is not related to practicing this sport, you may not be covered for expenses if you do not have standard medical insurance for traveling abroad. Some insurance companies combine various insurance programs, but all details must be clarified before the trip in order to avoid serious misunderstandings. At the office of the insurance company, you can find out all the conditions for your insurance, as well as clarify how much medical insurance for a diver costs.

Insurance

Dive Insurance Policy (or DIP) is a package of specially designed programs that provide assistance to divers in the right place in the world and in any situation. The insurance company MSK-Standard worked on the creation of the complex together with the international leader in the field of emergency medical care - the International SOS service network.

Dive Insurance Policy programs were developed specifically for divers in Russia. Of course, every diver can use the services of the international companies they like in this matter, and nevertheless, it is worth knowing about their many shortcomings. The most unpleasant of which is the inability to serve the Russians.

DIP programs- this is a complex designed for people whose degree of training is different: it can be beginners studying in diving centers and even professional divers. The Dive Insurance Policy guarantees each diver payment for all services rendered, taking into account the costs directly on the spot. Services will be paid for by MSK-Standard. In order to ensure this, the necessary funds from the budget have already been transferred to medical centers around the world.

How it works? In case of an accident, the client calls his dive company (MSC-Standard), gives the coordinates. After that, they go to him in order to provide medical assistance.

Diver Insurance Data- this is not just the performance of duties, do not forget that it is also the high quality of the services provided, among which it is worth noting transportation to the best medical institutions, treatment in special pressure chambers, numerous consultations of doctors in the field of diving and sports in general. In addition to all of the above, this should include specialized programs that allow you to be tested at the scientific center of the Russian Federation - the Institute of Biomedical Problems.

Insurance programs for divers, from the insurance company "MSK-Standard":

Insurance program for those divers who are just starting to learn scuba diving and are going to get a diver's certificate while studying at a diving center.

Insurance program "Silver"- an insurance program for those divers who are engaged in scuba diving only on the territory of Russia and the CIS countries.

An insurance program for those divers who are engaged in scuba diving only abroad (all countries except Russia and the CIS countries).

Insurance programs for citizens involved in scuba diving (diving).

Dive insurance policy

Dive Insurance Policy (DIP) - a set of specialized programs to provide assistance to divers in any situation anywhere in the world. This product was developed by specialists of the insurance company "TIT", who have experience in this type of insurance for more than 10 years. We provide round-the-clock service around the world in conjunction with the medical service networks International SOS and Express Assist - international leaders in the field of emergency medical care.

The DIP policy guarantees payment for the services rendered to you, excluding your costs on the spot. All costs are paid by TIT. In the event of an accident, you just need to call by phone, give your coordinates, and help will be sent to you immediately.

Our programs are not only the simple fulfillment of our obligations. This is also a high quality of service: transportation to the best medical centers, treatment in pressure chambers, consultations with diving specialists, plus additional programs that allow, for example, treatment of advanced decompression illnesses in the Russian Federation.

You can purchase any insurance program in our office or order a policy with free delivery in Moscow using the application form on our website.

Insurance programs:

A program for those who dive only in Russia and the CIS countries. The program includes medical care in hyperbaric centers and other hospitals and clinics, medical transportation, evacuation, repatriation in case of death. Payments are provided for the risks "Death" and "Disability". Read about this program

This recruitment program is similar to the DIP - Silver program, but assumes that you will be diving overseas. View program rates

This program covers the same risks as the Gold program plus regular overseas travel insurance.

This program is the same as Silver and Gold, but allows you to dive anywhere in the world.

The whole world is available to you for scuba diving, in addition, you will be insured under a travel policy outside the Russian Federation and the CIS countries. Check out

A comprehensive program with increased sums insured and additional risks. Available not only for instructors! find out

More about insurance programs:

D.I.P. Silver
only in Russia and CIS countries. By entering into an insurance contract under this program, you get the opportunity to use the services of emergency medical care through a 24-hour dispatch service with a doctor who specializes in diseases related to diving.

In case of an accident, help will be called for you, rescue will be organized if necessary. Also guaranteed treatment in the hyperbaric center, evacuation to their homeland. In case of recurrence of diseases associated with decompression sickness, after returning home, aftercare is carried out at the expense of the TIT company.

Types of insurance coverage (within 150 000 Eur):
medical transportation
Hospitalization

Repatriation
Disability of the I group, death (up to 5000 Eur)
Disability II, III groups (up to 1 500 Eur, only for annual programs)

Increasing coefficients:

D.I.P Gold
Scuba Diving Program

Types of insurance coverage:
medical transportation
Hospitalization
Treatment in a decompression chamber
Dive Medic Payments for Emergency Medical Services
Repatriation

Increasing coefficients:

D.I.P Gold PLUS
Scuba Diving Program only abroad (all countries except Russia and CIS countries). With this policy, you get the opportunity to use emergency medical services through a 24-hour dispatch service with a medical specialist in diving-related diseases.

In case of an accident, help will be called for you, rescue will be organized if necessary. Also guaranteed treatment in the hyperbaric center, evacuation to their homeland. In case of recurrence of diseases associated with the caisson, after returning to the place of permanent residence, aftercare is carried out at the expense of the TIT company.

With the Gold policy, you are also insured against the loss of diving equipment as a result of an accident that occurred underwater. We will pay the cost of the lost equipment within the limit of 1000 Eur (this service is provided only with the purchase of an annual policy).

The Gold+ policy provides, in addition to the above, the provision of medical care for cases not related to scuba diving.

Types of insurance coverage:
medical transportation
Hospitalization
Treatment in a decompression chamber
Dive Medic Payments for Emergency Medical Services
Repatriation
Group I disability and death (up to 6000 Eur, when buying an annual policy)
Disability II, III groups (up to 2000 Eur, when purchasing an annual policy)
Loss of diving equipment (up to 1000 Eur, when buying an annual policy)

Increasing coefficients:

DIP Platinum

With this policy, you get the opportunity to use emergency medical services through a 24-hour dispatch service with a medical specialist in diving-related diseases.

In case of an accident, help will be called for you, rescue will be organized if necessary. Also guaranteed treatment in the hyperbaric center, evacuation to their homeland. In case of recurrence of diseases associated with the caisson, after returning to the place of permanent residence, aftercare is carried out at the expense of the TIT company.

With a Platinum policy, you are also insured against the loss of your diving equipment as a result of an underwater accident. We will pay the cost of the lost equipment within 1800 Eur. And you will be insured against death or disability for 6500 Eur.

Increasing coefficients:

DIP Platinum PLUS
Insurance program "Platinum". The territory of action is the whole world!

Program without restriction of host countries. The policy is valid all over the world, including the CIS countries and Russia. With this policy, you get access to emergency medical services through a 24-hour dispatch service with a dive-related medical doctor, as well as general medical expenses for non-diving related cases.

In case of an accident, help will be called for you, rescue will be organized if necessary. Also guaranteed treatment in the hyperbaric center, evacuation to their homeland. In case of recurrence of diseases associated with the caisson, after returning to the place of permanent residence, aftercare is carried out at the expense of the TIT company. All non-diving medical expenses in foreign countries are also covered.

With a Platinum Plus policy, you are also insured against the loss of your diving equipment as a result of an underwater accident. We will pay the cost of the lost equipment within 1800 Eur. And you will be insured in case of death or disability.

Types of insurance coverage:
medical transportation
Hospitalization
Treatment in a decompression chamber
Dive Medic Payments for Emergency Medical Services
Repatriation
Group I disability and death (for 6500 Eur with a 1 year insurance period)
Disability II, III groups (for 3000 Eur with a 1 year insurance period)
Loss of diving equipment (for 1800 Eur with 1 year insurance period)

Increasing coefficients:

DIP Instructor
Specialized program for diving instructors. The territory of action is the whole world!

Insurance coverage up to 300,000 Eur applies to all cases related to diving, general medical expenses (only abroad) and technical diving.

In case of an accident, help will be called for you, rescue will be organized if necessary. Also guaranteed treatment in the hyperbaric center, evacuation to their homeland. In case of recurrence of diseases associated with the caisson, after returning to the place of permanent residence, aftercare is carried out at the expense of the TIT company. All non-diving medical expenses in foreign countries are also covered.

Increasing coefficients:

* Please note that since 2015, territorial coefficients (from 2 to 5) can be applied to such countries as: USA, Canada, Australia, Japan and New Zealand. When buying an annual policy, the cost may be affected by the history of the client's previous requests for insured events.

Reso diver insurance. TIT - Insurance of tourists traveling abroad. What is dive insurance