Key legal question
Whether the diving incident constituted an accident or an accident-like bodily injury triggering accident insurance coverage.
Extracted holding
No. Normal water pressure during ordinary diving is not a relevant external factor, and no unusual or outside event affecting the movement was shown.
Extracted reasoning
For an accident-like bodily injury, the remaining accident elements, especially an external factor, must still be present. The dive involved only normal pressure and no program-deviant or externally caused event.