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webfact

Uninsured Brit in Phuket moped accident has left her parents with £35,000 credit card debts

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I stopped taking out insurance out insurance long ago. If you read the fine print you ARE NOT COVERED for motorcycles (including tuk tuks and the like) unless you have a proper license. Meaning 90% of your travel isn't covered!

This is Aus issuance but I find it hard to differ

They could always get you on a technicality here as well,

What is proper licensing?? One obtain in Thailand I guess, but would your license from back home be regarded as proper and acceptableable by the insurance company, I doubt it!!!

That would depend on the policy conditions. If they say 'IDP' a home license is not legal, if they say 'legally allowed to ride' a home license would be acceptable.

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So what hospital was she sent to to rack up a 1.8M debt...even if it includes the flight back, it's very expensive. Private hospital?

For sure all farangs go immediately to a private hospital - and yes it's very expensive. Friend on mine racked up more than 200,000 baht for 3 days in ICU at Phuket International Hospital.

no question expensive, but as a American this seems like nothing for these kind of injuries.

i was in a Hospital Emergency Room for three hours in Los Angeles for kidney stone pain. no operation, no broken bones, NOTHING. just a xray and pain killers.

The bill was $11,000 USD or about 387,000 baht.

My Appendectomy cost $25,000 USD and my kidney stone lithotripsy cost $38,000 USD. Both very common operations. So from my point of view, I will stay in Thailand where medical is so cheap it is almost free.

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Bills in private hospitals can easily reach 3-5 million baht if specialized surgeries and prolonged ICU stay involved.

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Doubt insurance would have helped, majority won't cover motor bike in Asia, even the taxi ones

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Doubt insurance would have helped, majority won't cover motor bike in Asia, even the taxi ones

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Not true.

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Doubt insurance would have helped, majority won't cover motor bike in Asia, even the taxi ones

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Not true.

2nd stevenI, my insurance covers it but puts a cap on the amount.

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Doubt insurance would have helped, majority won't cover motor bike in Asia, even the taxi ones

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Not true.

2nd stevenI, my insurance covers it but puts a cap on the amount.
Good to know, you what's the cap?

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My insurance policy, from NZ, does provide full motorcycle cover, with exclusions as follows:

Not covered if

Your claim arises from being in control of any motorcycle (any 2 or 3 wheeled motor vehicle with engine displacement over 50cc), moped or scooter (any 2 or 3 wheeled motor vehicle with engine displacement under 50cc) without a current NZ motorcycle licence or you are a passenger travelling on any motorcycle, moped or scooter that is in the control of a person who does not hold a current motorcycle licence valid for the country you are travelling in

Doubt insurance would have helped, majority won't cover motor bike in Asia, even the taxi ones

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My insurance policy, from NZ, does provide full motorcycle cover, with exclusions as follows:

Not covered if

Your claim arises from being in control of any motorcycle (any 2 or 3 wheeled motor vehicle with engine displacement over 50cc), moped or scooter (any 2 or 3 wheeled motor vehicle with engine displacement under 50cc) without a current NZ motorcycle licence or you are a passenger travelling on any motorcycle, moped or scooter that is in the control of a person who does not hold a current motorcycle licence valid for the country you are travelling in

Doubt insurance would have helped, majority won't cover motor bike in Asia, even the taxi ones

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That's the catch you Need a valid motorcycle back home licence and most tourist don't have one so effectively not covered

I've ridden with plenty of friends who had international car license thinking all was well.. Not anymore

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Too bad she had the accident....hope she fully recovers and soon. But she "didn't forget" to get insurance....she just didn't want to pay for insurance. Too many young people always feel indestructible/think it will not happen to me.

Not just the young.

An astonishing number of TV members live here without insurance.

I'd be very happy to get it if you can name a reasonable policy for over 65's. Surely this is a non story, as far as I recall most insurance policies do not cover tourists riding bikes

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By the way,....this could be a very effective scam. to get money....!!! when I see a east European name like Natasha, this is the first thing I think about....

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So what hospital was she sent to to rack up a 1.8M debt...even if it includes the flight back, it's very expensive. Private hospital?

Probably, and that isn't expensive for what she had. I would have had to pay 52 thousand baht for a 3 day stay just to have iv antibiotics for bronchitis. Of course I had insurance, so nothing for me.

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It’s so dangerous – Brits go to Thailand and think nothing of jumping on mopeds and doing things they’d never do at home.”

So why are they so stupid (not just Brits but also other nationalities) ?

Having seen many young ( around18 to 25 ) farang tourists when I used to visit the beaches twice a year for 10 years in the naughties, IMO they are pretty stupid, as think nothing of riding m'bike wearing only shorts and flip flops ( bikini top for girls ). Probably never ridden m'bike before in their lives, which automatically means they are not insured for m'bike accidents.

I guess they think they know it all, but only because they are too young to know that they don't know much at all.

Up in Chiang Mai the idiots think they can ride two abreast on push bikes on the very narrow streets- stupid and inconsiderate.

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Too bad she had the accident....hope she fully recovers and soon. But she "didn't forget" to get insurance....she just didn't want to pay for insurance. Too many young people always feel indestructible/think it will not happen to me.

Not just the young.

An astonishing number of TV members live here without insurance.

I'd be very happy to get it if you can name a reasonable policy for over 65's. Surely this is a non story, as far as I recall most insurance policies do not cover tourists riding bikes

Of course they do, usually for an extre fee. However, must have m'bike licence in home country, not drive m'bike over certain size ( ? 125 cc ) and must wear crash helmet.

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