AXA Diving Accident Insurance

Coverage of Nautical Activities Practice in any country in the world.

Sports accidents as an amateur are covered, while practicing any of the indicated Nautical Activities:

Accidents occurring during commutes are expressly excluded.

Optional duration

• 1 Month
• 12 Months

Benefits Covered by the Policy:

• €18,000 in case of death due to accident.
• Up to €18,000 in case of permanent disability resulting from an accident.
• Civil liability coverage for recreational participation in all related nautical activities, except for jet skis, up to €150,253.02.
• Medical and hospital expenses and hyperbaric chamber treatment.
  • At centers affiliated with Axa: Unlimited.
  • At centers not affiliated with Axa: Up to a limit of €15,000 per claim.
• In addition to the medical assistance coverage, an additional limit of €15,000 is established for other expenses besides medical and hospital care, such as search and rescue costs, emergency transfers, prostheses, pharmaceutical expenses, and rehabilitation.

Extract from the General and Specific Conditions of the Policy

For those insured who are not residents of the EEC, the coverage period cannot exceed the length of their stay in the EEC.

For the purposes of this contract, an accident is understood to be a bodily injury resulting from a violent, sudden, external cause beyond the control of the Insured, occurring during the practice of the nautical activities described, which directly produces any of the following consequences:

• Death, occurring immediately or within five years from the date of the accident.
• Proportional Permanent Disability, verified within five years from the date of the accident, with the insured receiving compensation based on the degree of disability (according to the scale in the policy).
• Medical and pharmaceutical expenses, transportation, hospitalization, hyperbaric chamber treatment, and rehabilitation required by the insured as a direct result of an accident covered by the policy, for a period of one year from the date of the accident.
• Civil liability to third parties for personal injury or property damage unintentionally caused by the insured.

Furthermore, they are considered accidents:

• Accidental absorption of toxic and corrosive substances.
• Infections resulting from bites, stings, or accidents covered by the policy.
• Injuries sustained in self-defense or while rescuing others.

Accidents occurring as a result of the following are excluded from insurance coverage:

• Suicide or the consequences of a suicide attempt.
• Intentional and criminal acts committed by the insured or their beneficiaries (or with their cooperation).
• Accidents occurring while under the influence of alcohol or drugs.
• Any activity other than the recreational practice of the nautical activities described.
• Armed conflicts or war, even without an official declaration of war, as well as extraordinary events covered by the Insurance Compensation Consortium (terrorism, catastrophes, etc.).
• Illnesses of any kind, as well as myocardial infarctions, strokes, and HIV.
• Persons over 70 years of age or affected by serious conditions such as: blindness, bilateral deafness, stroke, paralysis, epilepsy, mental incapacity, diabetes, hemophilia, spinal cord diseases, or any condition of similar severity.
• Failure to comply with the regulations in force for the practice of scuba diving/spearfishing.

With regard to the Civil Liability guarantee, the following are expressly excluded:

• Engaging in any professional activity.
• Acts of bad faith by the insured.
• Operating aircraft, vessels, and motor vehicles.
• Fines or financial penalties.
• Contractual obligations of the insured, and the non-performance or failure to fulfill a legal or contractual insurance obligation.