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June 2006 Vol. 21, No. 6   RSS Feed for Undercurrent Issues
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Remember, It's Business

from the June, 2006 issue of Undercurrent   Subscribe Now

The Diverís Alert Network is a nonprofit organization dedicated to diver health. Its insurance business is for profit, and benefits DAN.

Many divers prefer a policy offered by a carrier other than DAN, but donít want to give up access to the DAN hotline. The answer: buy the insurance policy that serves you and join DAN.

Under the Hippocratic oath, and by law in many places, medical facilities are duty-bound to help persons who canít pay, arenít insured, or arenít members of an association ó as long as itís a bona fide emergency. They are not bound to treat conditions that are not life-threatening or do not pose grave risks to health. Most likely, theyíll make a referral to another facility.

Medical hotlines for organization members donít provide hands-on medical care. While they probably are bound to help in a true emergency, hotline assistance for nonmembers would need to advise the stricken individual how to get in touch with the nearest ER or hyperbaric facility.

Many divers who arenít DAN members have called them and gotten good advice or a referral. These werenít emergencies and DAN wasnít bound to help. Nonetheless, they did. If you want to use the hotline, but want a policy from another source, your membership in DAN would be welcome.

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