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hello folks just thought id add a little here..last week had motorbike accident soi dog ran in front of the bike on a major road .anyway ambulance 2 hospitals x rays MRI scans admission to hospital OK

Harveyboy, hope your accident was not too serious, take care get well soon. Yes you are 100% correct, you never know when it can happen, but being prepared having insurance is very good advice.

Here we go again with the 'one risk profile fits all' approach to insurance. Why not just live and let live instead of bringing your Western notions of what is appropriate to a foreign country? Life h

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28 minutes ago, Harveyboy said:

i have insurance I'm here in hospital now with peace of mind i won't have to be putting on TVF a call to go fund me what im saying you never know when its going to happen to you don't ignore insurance for the price of a couple of daily beers

Well said, speedy recovery, at the moment it's 120,000 plus baht a year to keep the family covered or 328 baht a day, when I break it down for the 6 of us, it's 55 baht each, that's less than a beer at the local.

 

Let's not forget there are a fair few expats here that can't get coverage because of age, or their pre-existing conditions won't be included in the policy, age is one thing where they might not cover one, however if one can get covered regardless of pre-existing conditions, I believe one must cover oneself for that unexpected moment, like what happened to you.

 

When and if it gets too much for me as I age, I will look at self insuring, but will keep the family insured as it's a must for me.

 

Hope the dog is ok 🙂

 

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Just now, 4MyEgo said:

Well said, speedy recovery, at the moment it's 120,000 plus baht a year to keep the family covered or 328 baht a day, when I break it down for 6 of it's 55 baht per head, that's less than a beer at the local.

 

Let's not forget there are a fair few expats here that can't get coverage because of age, or their pre-existing conditions won't allow it, age is one thing where they might not cover one, however I believe one must cover oneself for that unexpected moment, like what happened to you.

 

When and if it gets too much for me as I age, I will look at self insuring, but will keep the family insured as it's a must for me.

 

Hope the dog is ok 🙂

 

not sure not seen the bike or the dog since don't think there is a lot of hope for either

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8 minutes ago, bigupandchill said:

I had to claim on this policy https://www.axa.co.th/en/personal-accident-protection recently and found the whole process very easy and efficient. In fact the hospital did everything. I paid 6,300 per year for 250,000 coverage including motorcycles.

Depends what age you are,get to 65 plus  will cost,.............250 000 is hardly anything actually       India is my saviour,broken leg /arm  damned good and cheap

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10 minutes ago, bigupandchill said:

I had to claim on this policy https://www.axa.co.th/en/personal-accident-protection recently and found the whole process very easy and efficient. In fact the hospital did everything. I paid 6,300 per year for 250,000 coverage including motorcycles.

I have the same coverage, which hospital did you go to? one on the list or another and claim back expenses?

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1 minute ago, izod10 said:

Depends what age you are,get to 65 plus  will cost,.............250 000 is hardly anything actually       India is my saviour,broken leg /arm  damned good and cheap

You went to India after an accident with a broken leg\arm?

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2 minutes ago, scubascuba3 said:

I have the same coverage, which hospital did you go to? one on the list or another and claim back expenses?

Bangkok hospital Nakhon Pathom. They were able to see on the computer at reception what coverage I had with which insurance company - 35,000 with the 600 baht compulsory - 250,000 with my axa policy and 50,000 on my big bike insurance. How they work out who actually pays the bill I don't know.

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9 minutes ago, izod10 said:

Depends what age you are,get to 65 plus  will cost,.............250 000 is hardly anything actually       India is my saviour,broken leg /arm  damned good and cheap

Because it's accident insurance, not medical insurance I believe age is less of an issue.

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