This first article in SCOR’s Extreme Sports series will take readers on a deep dive into the world of scuba, examining the training and safety standards required to dive, the risk of injury while diving, risks associated with preexisting conditions, and other important considerations underwriters should have in mind when considering a diver’s application.
Recreational scuba diving is a popular sport. With millions of people diving around the world, it has become a common disclosure on life insurance applications. However, diving presents a challenge for risk assessment because diving activities can be quite diverse and some put participants at significant risk of harm.
Recreational diving is a very popular sport and it is frequently disclosed by people applying for Life and Disability insurance. As scuba diving is very diverse in its practice and may harbor a variety of risk factors, it can be a very challenging risk for insurance underwriters to assess.