Tanteh,
I re-read your post more carefully. I think that you are saying that if you use a lens that is flat on one side and curved on the other, and arrange it such that the convex side points into the fluid, towards your eye, that the system will allow you to see both in and out of the water. I believe that you are correct on this point.
I have attached a crude sketch (w/ apologies to Homer Simpson).
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