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Phuket hospital hits back over UK claims they put money first after tourist's motorbike accident

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2 hours ago, phetpeter said:

25,000 pounds for his accident and he's only been in hospital for about a week! So he got a bang on the head and a broken leg, recovering well, sure the hospital will ramp up their fees, but not 25,000 pounds worth. 

 

With all due respect, this is a cautionary tale to all those expats from Euro socialist cultures -where the government covers health care- who are debating with themselves whether to get health care insurance or not.  That's a drop in the bucket for a significant injury or health care issue like cancer, heart attack, stroke, or whatever.

 

If you can't come out of pocket to the tune of 100,000-300,000 pounds without derailing the rest of your retirement plans, you need health care insurance.  Because the expenses are rarely a one shot deal.  You may have plenty of dosh on hand to handle the first round of treatment, but then what?

 

Americans have been fighting with health care providers and insurance companies over the high cost for all of our lives, so most of us lean toward the paranoid when it comes to health care expenses.

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The lad looks to need a dressing change on his right thigh.     And is that blood on his right hand?

 

Sadly he looks to be a mess. 

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5 hours ago, Old Croc said:

 

Thanks Steven, my error.

 

Moving away slightly from this specific case.

I've travelled extensively, always purchased travel insurance at an ever increasing cost, yet have never made a claim.  I do resent the fact that I pay extra to cover careless idiots.

I've also paid huge  premiums for car, house and contents insurance for much of my life. Premiums that are greatly inflated to enable payouts to people who build in forests that are bushfire prone or on river flood plains.

None of the insurances you refer to are compulsory.  If you don't like the premiums, then self insure.

 

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51 minutes ago, captspectre said:

ever heard of a songtail? a taxi?even a samlor?  there are other ways of getting around in thailand!

Ever been to Phuket?

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Really the argument of the insurance company is rather pathetic. He was a passenger firstly and unless the driver was driving recklessly he cannot be blamed for the accident (assuming he was sitting normally)  Secondly there is a question whether the bike was hit from behind or hit an oncoming vehicle that was not at fault. In the first instance I cannot see any valid excuse for the insurance company since you ate paying against accident. In the second case I still find it hard to reason him at fault. Stupid for getting on a bike so soon after surgery and maybe additional damage to that arm but it would not affect injury to the rest of his body given what seem extensive injuries.  The insurance company is wrong as his actions cannot be seen to have influenced the accident. He should sue unless there is some overriding clause in the fine print limiting liability.

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3 hours ago, phetpeter said:

25,000 pounds for his accident and he's only been in hospital for about a week! So he got a bang on the head and a broken leg, recovering well, sure the hospital will ramp up their fees, but not 25,000 pounds worth. 

He has been operated on and is/was in ICU. Cost of an ICU room can be B 100 k per day without medicine. The operation can be B 500 k if a brain surgeon was involved. According to US, UK or European prices this is a bargain. 

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8 hours ago, darksidedog said:

So his travel insurance did cover traveling by motor bike, but only once a year it seems. To my mind riding pillion with a broken arm in plaster is not "reckless".

70% of the traffic accident victims leaving the hospital do so by bike. It is absolutely normal here. Many have no other way of getting home.

I hope the insurance companies miserable argument is seen for what it is, and others spend their money with a firm who can be trusted.

 

I also had a claim rejected by the same firm because I had had a "similar" claim the year before. The claim was for root canal treatment and a porcelain crown, which implies that you're not allowed to have toothache 2 years on the trot!

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Two years ago I had a bad accident and went to the local hospital where they made X-ray and told me that they couldn't help me ...I had to go to BKK Hospital.

Upon arrival they took me right to ICU and told me that I needed an urgent operation...But...I had to pay first...They put me in a wheelchair and drove me to the 3 available ATM's at the hospital where I had to take "as much money as I could get with bank/credit cards"...I told them to use my credit card but they refused, they wanted "cash now"...terrible experience but finally my insurance covered everything and I took the advanced deposit back..."Thainess"...

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I can't complain about the treatment I had in 2008 at Phuket hospital. Sure, they made a mistake when fixing my collar bone the first time. Tiny cracks, which were hardly visible on the X-ray they showed me, had split open one side, as they'd used a pin inside the bone, But the doctor was extremely humble and sorry about it. They put me back to sleep and put a metal plate on it instead. Still have it in me.

The hospital in Patong just gave me a harness and some pain killers. Worst treatment ever. When I asked why they couldn't fix it, I had to ask 6-7 times, before the "doctor" admitted their surgeon wouldn't be around until Wednesday. So I walked out, broken collar bone and in pain, and went to Phuket hospital.

Insurance company paid everything. I think the bill was around 300,000 thb.

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Seems to me that the headline is erroneous. It is the insurance company that is not paying. 

Hospitals are not charities, and expect to be paid for their services.

Does anyone think that hospital treatment should be free?

Even in the UK people pay- through taxes.

There is a difference between saving life and subsequent treatment.

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49 minutes ago, sambum said:

I also had a claim rejected by the same firm because I had had a "similar" claim the year before. The claim was for root canal treatment and a porcelain crown, which implies that you're not allowed to have toothache 2 years on the trot!

I think that my current insurance only offers treatment to a total $ amount. Above that I would have to pay. Perhaps yours is like that.

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9 hours ago, darksidedog said:

So his travel insurance did cover traveling by motor bike, but only once a year it seems. To my mind riding pillion with a broken arm in plaster is not "reckless".

70% of the traffic accident victims leaving the hospital do so by bike. It is absolutely normal here. Many have no other way of getting home.

I hope the insurance companies miserable argument is seen for what it is, and others spend their money with a firm who can be trusted.

 

Read any accident Insurance Policy and you will see, your wrong.

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2 hours ago, KittenKong said:

 

Great. I think you're completely mad, but so are people who climb mountains or pursue other dangerous activities. It's not a problem for me though, except in as much as I have to pay higher insurance premiums to cover the antics of the insane.

 

If one day you are unlucky enough to have a road accident you may regret being on a bike rather than in a two-ton pickup. But hopefully it wont happen at all. I certainly dont wish it on you.

One month ago I bought a new Chevrolet Traiblazer my second two-ton SUV in Samui :smile:  but good luck on the small island unless one goes somewhere with a car park like Tesco, Big C, Macro etc. On the other hand even though I have had many bikes and some big ones in my live, in Samui I drive most of the time at 40 kmh and never more than 60kmh, only to tell you that  for a completely mad person this madness is well under control :sleep:

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The poorest thing in this case is the slander of Phuket Hospital. Cheap behaviour of victims Mother.

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I don't remember there is any prescribed system, mostly on ad-hoc basis.....correct me if I am wrong.

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