Contrary to common beliefs there are a lot of data gaps in research around the impacts of sunscreen on reefs.
What’s more, “reef-safe” is an unregulated marketing term, and doesn’t target some of the filters of highest environmental concern (e.g. zinc oxide, octocrylene) which the EU is presently concerned about.
If you want to be safe, because it is still possible that sunscreens could have environmental impacts at lower concentrations, you can use water resistant sunscreens and sun protective clothing when swimming near reefs.
You can also write to your local representative to push for climate-conscious action as we do know that marine heat waves are worsened by climate change and do have a big impact on coral bleaching.