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BANGKOK 27 March 2019 01:54
rooster59

Travel insurance warning as NI man loses leg after Thailand motorbike accident

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5 hours ago, AGareth2 said:

should have health insurance through his teaching contract

 

My daughter has been working as a teacher, her insurance through the school was very poor. I ended up buying her a decent policy for my own peace of mind, it cost me just over 19K for 12 months.

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4 hours ago, fisherd3 said:

It will be impossible to formulate any private insurance plan in Thailand that anyone can afford when e.g Bangkok Hospital Rayong charges 34,000 thb for first Rabies shot of a course.

But,,, on a recent thread many poters indicated there's no problem with this - if you don't like their charges go elsewhere.

There' also the subjects of ethics and morals.

 

 

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19 minutes ago, miamiman123 said:

renting a motorbike....stupid move teacher

SInce he lives here , I am pretty sure he owns it. 

 

Like so many other foreigners who lives and works here, most of them can afford a bike, but not a car when your monthly income is under 50k baht . 

 

I just don't understand why they don't use their brain, being a teacher and all that. Insurance is not expensive here. 

 

 

 

 

Edited by balo

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4 minutes ago, boonrawdcnx said:


Agree with you - enjoy our motorbike tours all around the North!
Fantastic trips up to a week long - never use the main roads if you can avoid it quite country roads with lots of stops - getting to know friendly people and other bikers.

One thing is for sure here you ride for the fun of it - never for speed! And you can NEVER let your guard down when you ride here and never drive fast!

Insurance is mostly useless here even if you purchase first class insurance which I have but I have an additional accident insurance from my home country.
Have been riding motorbikes for 30 years in Thailand and - knock on wood - never an accident.
One car accident though that somebody else caused - still police tried to blame me - but I did not give in to their BS.



Sent from my iPhone using Thailand Forum - Thaivisa mobile app

And another reminder check the policy very carefully and understands exactly what cover you are buying, limits, etc., etc., before you sign up and pay.

 

And another reminder, plenty of folks have bought insurance without checking the details then discovered all they have is some cash if the flight is delayed / baggage lost etc., and no medical cover at all.

 

Others, never read the policy, discovere too late that the coverage is a bed in a hospital for 10 days but nothing else - no cover for treatments or  medication, equipment used in the hospital, nursing fees, food and doctors fees. 

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I just don't understand why they don't use their brain, being a teacher and all that. Insurance is not expensive here. 

 

I'm hitting 60 years old, am a lowly teacher, and can still easily afford the premium for my $1.2 million baht expat insurance policy.  Why?  Because I prioritise my expenses, and a decent health insurance policy comes near the top of my list.

 

This guy is young - the insurance premium for him (or his employer) would be peanuts.

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5 hours ago, z42 said:

Travel insurance very rarely covers bike crash injuries, and insurance companies in many cases need social media pressure to actually force a pay out.

 

Wish the injured man as speedy a recovery as possible

Travel insurance is TRAVEL Insurance, not health insurance.

Most policies do not cover use of motorcycles, jetskis, parachuting, mountain climbing equipment or activities.

Travel insurance is for emergency incidents, which occur while travelling, not while earning an income 

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16 minutes ago, simon43 said:

 

 

 

I'm hitting 60 years old, am a lowly teacher, and can still easily afford the premium for my $1.2 million baht expat insurance policy.  Why?  Because I prioritise my expenses, and a decent health insurance policy comes near the top of my list.

 

This guy is young - the insurance premium for him (or his employer) would be peanuts.

hope your policy does not skyrocket after you hit the magic 70 

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5 hours ago, leeneeds said:

He had previously worked in Thailand and China 

so one would think, he being an educator 

would fully know the risks,

 

  it won't happen to me mentality 

the information is out there , you just got to 

listen!

 

Very true it’s sad what has happened however these days you can set a reminder or tell ya parents to remind ya your insurance will expire at such a date very silly of me to let this happen 

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Travel insurance is TRAVEL Insurance, not health insurance. Most policies do not cover use of motorcycles, jetskis, parachuting, mountain climbing equipment or activities.

Travel insurance is for emergency incidents, which occur while travelling, not while earning an income 

 

Many things wrong with your post, when i bought my travel insurance i checked 10 policies docs, all covered motorbikes, usually less than 125cc. For the extreme sport stuff you need to check the policy docs. For example scuba diving is usually covered with caveats 

 

 

 

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hope your policy does not skyrocket after you hit the magic 70 

 

It won't.  There are age-band and annual inflation increases that are applied to all insurees - no individual increases. I know the typical % increase for when I hit 70 and it's manageable.

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3 minutes ago, scubascuba3 said:

Many things wrong with your post, when i bought my travel insurance i checked 10 policies docs, all covered motorbikes, usually less than 125cc. For the extreme sport stuff you need to check the policy docs. For example scuba diving js usually covered with caveats

 

 

That has NOT been my experience when purchasing travel insurances over many years, and reading the policies. Purchased from major companies from Australia 

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5 hours ago, fisherd3 said:

It will be impossible to formulate any private insurance plan in Thailand that anyone can afford when e.g Bangkok Hospital Rayong charges 34,000 thb for first Rabies shot of a course.

cost me 3,000 Baht at the government hospital including tetanus shots and testing for adverse reactions

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