The whole debate about scooters versus motorbikes can be confusing for your average holidaymaker. Personally, I tend to avoid them. However, there does appear to be an assumption within these forums that your average holidaymaker is always trying to somehow scam the insurance company or just get someone else to pay their medical bills via Go Fund Me. Having recently returned from a trip to LOS myself that required a few hospital visits and various tests (CT and MRI scans, etc), I can honestly say that wading through the claims process when you're actually physically challenged by an ailment can be a horrendous ordeal. Myself, I had medical and travel insurance cover with one of the top 5 travel insurance companies in the world, but I still had to jump through hoops to get my money back. And yes, I had to pay-up front and send the insurance company the actual physical printed receipts (bills)—not copies or PDFs—afterwards. So I can understand why some people ask for help when they have to pay in advance and claim back later.
Without going into my own illness, I can tell you that the insurance company bounced me around various departments and sub-contracted people which I found thoroughly frustrating. Also, I kept getting cut off when using the emergency telephone number and ended up communicating with them via email!! For what it's worth, the final paperwork had to be sent to a sub-contracted company based in England and took about 8-9 weeks to finally resolve.
As some here have pointed out you will receive an Insurance Policy Certificate that will have your policy number, cover limits and excess waiver fees, plus an emergency contact number on. This certificate will be quite basic and will not provide the full terms and conditions, definitions and exclusions which relate to your travel insurance. This information is normally contained within the Policy Wording, a copy of which is available on their website and provided by a linked address. This is what I assume Richard was referring to when he mentioned 117-page policy wording. And yes, Richard is correct, these full terms and conditions are universal, not customized for each holidaymaker.
Clearly, if anyone is intending to hire a scooter or motorbike then reading your Policy Wording thoroughly first is advised. In fact, doing anything that could result in a trip to the hospital. it's best to read your insurance Policy Wording first. Obviously if you have an undiagnosed illness which you previously knew nothing about before taking out the medical insurance and boarding a plane, well, that's an entirely separate matter.