British woman, 20, left for dead in hit and run motorbike crash faces being thrown out of Thai hospital despite horrifying injuries after being hit with £40,000 medical bill

[persimmon]

14 minutes ago, Hummin said:

Is there any travel insurance who require your tatement about your medical condition? 

If you tick the box for pre-existing medical condition , it cuts down the choice and makes the quotes much more expensive . It might make insurance impossible to get if the condition is not fully diagnosed .

[Hummin]

5 minutes ago, persimmon said:

If you tick the box for pre-existing medical condition , it cuts down the choice and makes the quotes much more expensive . It might make insurance impossible to get if the condition is not fully diagnosed .

It is not required by the insurers I use for travel

[billd766]

1 hour ago, BritManToo said:

It's because experience is something you need to gain for yourself, other people telling you doesn't work.

 

Experience is usually lessons learned the hard way.

 

It is not as if somebody can open a box and give you several handfuls of experience.

[Liverpool Lou]

1 hour ago, Ralf001 said:

2 hours ago, Liverpool Lou said:

You're right, your going on about non-existent insurance policy "small print" is getting tediously yawn-inducing.

"Small print" is an idiom.

Not sure why you have your panties in such a twist over this.

It can be but most posters do not use it as an idiom, they are so ignorant about insurance policies and insurers and the standards that regulators impose on them that they use the word literally in their lame attempts to label all insurers as fraudsters relying on "small print".   That's why.

[Hummin]

4 minutes ago, billd766 said:

Experience is usually lessons learned the hard way.

 

It is not as if somebody can open a box and give you several handfuls of experience.

Smart people see and learn from others mistakes, but some is good at improve others mistakes. 

 

There is a reason we have Darwins and Murphy's laws, but today people do not need to think about how to survive anymore, we are protected 24/7 almost except when we leave for exotic holidays, to many loose their heads! And in this tread, there is several who did them all, and also complain and say it is everyone else who was wrong against them. Now insurance companies is the opponent who is the bad guy

Edited February 19, 2023 by Hummin

[hotchilli]

3 hours ago, Liverpool Lou said:

You're right, your going on about non-existent insurance policy "small print" is getting tediously yawn-inducing.

Yawn Yawn..

[The Fugitive]

51 minutes ago, Hummin said:

It is not required by the insurers I use for travel

Could that be because travel insurance is primarily intended to cover accidents?

[The Fugitive]

2 hours ago, PJ71 said:

These are the same hospitals that make you look like Frankenstein when you're put back together.

 

I went to one of these hospitals with a pretty nasty hand wound ( needed 26 stitches ), when i pulled of the towel i had covering the wound i was told to go to another hospital.

4 days in Bkk / KK hospital 160K, hardly see the scar, when i went to A & E there i was in surgery within an hour, this was at 2300!

According to my Mrs the problem with our Government Community Hospitals is lack of specialised doctors. A/E department is likely to be staffed by GP's. In your case, although they may have been capable of stitching your hand, perhaps they thought Kohn Kaen Provincial Hospital or one of the private hospitals would be better equipped and have specialised surgeons available?   

[BEngBKK]

On 2/17/2023 at 6:26 AM, Mike Teavee said:

You mean something like this… 

Road travel

There are a high number of road traffic accidents in Thailand especially involving motorcycles. The World Health Organisation (WHO) rates Thailand as the world’s deadliest countries for fatalities on motorcycles.

To drive a car or ride a motorcycle in Thailand, under Thai law you must have the correct licence and appropriate insurance for the category of vehicle you’re using. You will need to apply for a Thai driving licence or, if you already hold a UK licence, an International Driving Permit. If you drive a car or ride a motorcycle in Thailand without a valid licence, this may invalidate your travel insurance if you have an accident or injury.

Motorcycles or scooters for hire in beach resorts are often unregistered and can’t be used legally on a public road. Before you hire a vehicle, make sure you’re covered by your travel insurance and check the small print of the lease agreement. 

 

https://www.gov.uk/foreign-travel-advice/thailand/safety-and-security

I saw the drivers license video yesterday at DLT. 1.5 hours later I had a new fine drivers license. The video was fine but it made me giggle since I know how Thais drive....

[Jimjim1]

On 2/17/2023 at 6:27 PM, Ralf001 said:

Rental companies have had access to insurance for their rented vehicles/bikes for the past 5 years that I know of because I pay it  for my wife who has a small rental fleet.

Point taken and full marks to you but again the insurance only covers the damage to the other vehicle, and unless you or the company have specified it in the policy it is unlikely to cover her bikes or the driver who rents from her ( your wife), this being one of the many reasons why the girl’s health policy ( if she had one ) was dropped by her insurance company.
 

You are to be commended for taking out insurance but it would be appalling if your customers were told they were fully insured but we’re not, so may I suggest that you check your policy for any discrepancy.

Others in here have quite rightly pointed out that no licence means health insurance is 100% null and void.

 

You have been honest up to now so please inform us of your findings regarding exactly what is and is not covered under your policy, it is very important that we all have a concrete idea of what is going on in the industry and what is available to renters of which we all are at sometime.

[Ralf001]

17 minutes ago, Jimjim1 said:

Point taken and full marks to you but again the insurance only covers the damage to the other vehicle, and unless you or the company have specified it in the policy it is unlikely to cover her bikes or the driver who rents from her ( your wife), this being one of the many reasons why the girl’s health policy ( if she had one ) was dropped by her insurance company.
 

You are to be commended for taking out insurance but it would be appalling if your customers were told they were fully insured but we’re not, so may I suggest that you check your policy for any discrepancy.

Others in here have quite rightly pointed out that no licence means health insurance is 100% null and void.

 

You have been honest up to now so please inform us of your findings regarding exactly what is and is not covered under your policy, it is very important that we all have a concrete idea of what is going on in the industry and what is available to renters of which we all are at sometime.

Your talking about 3rd class insurance which only covers the liability to third parties (property damage and bodily injury) when the driver is at fault.

 

[BritManToo]

22 minutes ago, Jimjim1 said:

Others in here have quite rightly pointed out that no licence means health insurance is 100% null and void.

 

You have been honest up to now so please inform us of your findings regarding exactly what is and is not covered under your policy, it is very important that we all have a concrete idea of what is going on in the industry and what is available to renters of which we all are at sometime.

Thai Government minimum insurance covers everyone for 40,000bht (maybe a bit more) of medical care in the event of an accident. Which is usually enough to cover most injuries if the victim is treated in a Thai government hospital.

[BEngBKK]

I just wonder...

How can you avoid the ambulance people to bring you to the most expensive hospital?

I have social security at Kasemrad hospital in Bangkok and I am very happy with this hospital. Free medicine and cost only about 90 BTH

/Month

[shocky2012]

$40,000??!?

 

I guess Bangkok Hospital?

I've had a motorcycle accident back in 2016 and they needed to revive me because my heart gave up because of blood lost and I stayed there for a 10 days in ICU. It was in Chaiyaphum in a public hospital.

 

Luckily nothing was broken but still.. the bill came back at around $830.

 

$40,000 is insane.

[PJ71]

3 hours ago, The Fugitive said:

According to my Mrs the problem with our Government Community Hospitals is lack of specialised doctors. A/E department is likely to be staffed by GP's. In your case, although they may have been capable of stitching your hand, perhaps they thought Kohn Kaen Provincial Hospital or one of the private hospitals would be better equipped and have specialised surgeons available?   

I'm actually glad i went to a private hospital, i've seen ( as i'm sure many have ) lots of butchered jobs on Thai people - not nice.

[BEngBKK]

Welcome to the land of greed

 

[Gknrd]

4 hours ago, PJ71 said:

I'm actually glad i went to a private hospital, i've seen ( as i'm sure many have ) lots of butchered jobs on Thai people - not nice.

I know of one lady literally murdered IMO at a local hospital in Thailand. But, broken bones and common accidents are extremely cheap and actually verrrry good care and competent.  

[Myran]

5 minutes ago, Gknrd said:

I know of one lady literally murdered IMO at a local hospital in Thailand. But, broken bones and common accidents are extremely cheap and actually verrrry good care and competent.  

I find it very hard to believe that an employee of a Thai hospital intentionally killed a patient.

[Gknrd]

2 minutes ago, Myran said:

I find it very hard to believe that an employee of a Thai hospital intentionally killed a patient.

Happens all the time with lack of follow up and lack of caring.

The woman I know had shingles. Older lady. She was given a very very controversial drug that required very strict follow up. She was literally given the medicine and sent home with no follow up. By the time she went back it was to late she died of complications to the drug the doctor ordered. I know of another case of this also.

[Lemsta69]

6 hours ago, shocky2012 said:

$40,000??!?

 

I guess Bangkok Hospital?

I've had a motorcycle accident back in 2016 and they needed to revive me because my heart gave up because of blood lost and I stayed there for a 10 days in ICU. It was in Chaiyaphum in a public hospital.

 

Luckily nothing was broken but still.. the bill came back at around $830.

 

$40,000 is insane.

It's 40,000 quid mate, not dollars. At current x-rates that's $48k, even worse!

[Blumpie]

Why are they dragging their heels paying this out?  Is it because she doesn't have a motorcycle license, an international drives licence, and is therefore breaking the law and the insurance company will not pay at all?  That sounds more likely.

Do I know for sure?  No.  

[Blumpie]

5 hours ago, PJ71 said:

I'm actually glad i went to a private hospital, i've seen ( as i'm sure many have ) lots of butchered jobs on Thai people - not nice.

That is really really sad.

[Myran]

2 hours ago, Gknrd said:

Happens all the time with lack of follow up and lack of caring.

The woman I know had shingles. Older lady. She was given a very very controversial drug that required very strict follow up. She was literally given the medicine and sent home with no follow up. By the time she went back it was to late she died of complications to the drug the doctor ordered. I know of another case of this also.

No, you need to look up what murder means. It might be classified as death due to medical neglicence, but it has absolutely nothing to do with murder.

[Ralf001]

10 hours ago, Gknrd said:

Happens all the time with lack of follow up and lack of caring.

The woman I know had shingles. Older lady. She was given a very very controversial drug that required very strict follow up. She was literally given the medicine and sent home with no follow up. By the time she went back it was to late she died of complications to the drug the doctor ordered. I know of another case of this also.

Cool story Hansel but that isn't murder.

[jacko45k]

20 hours ago, persimmon said:

If you tick the box for pre-existing medical condition , it cuts down the choice and makes the quotes much more expensive . It might make insurance impossible to get if the condition is not fully diagnosed .

Yes, they will offer less and less cover for more and more premium!

[jerrymahoney]

18 minutes ago, jacko45k said:

Yes, they will offer less and less cover for more and more premium!

... and then they deny your claim, anyway. Right?

[PJ71]

10 hours ago, Blumpie said:

That is really really sad.

Correct, same with almost everything in this country, if you have money all good, if not take what you get....

[jacko45k]

7 minutes ago, jerrymahoney said:

... and then they deny your claim, anyway. Right?

Maybe, maybe not.. in my case claims were paid, one after I was forced to pay myself first...and resulted in a modified policy. I also had a prior claim paid satisfactorily after an accident... 

Expecting me to interpret the small print, and it's medical terminology was another struggle. 

But in my case it was domestic insurance not travel insurance. 

Edited February 20, 2023 by jacko45k

[jerrymahoney]

28 minutes ago, jacko45k said:

Maybe, maybe not.. in my case claims were paid, one after I was forced to pay myself first...and resulted in a modified policy. I also had a prior claim paid satisfactorily after an accident... 

Expecting me to interpret the small print, and it's medical terminology was another struggle. 

But in my case it was domestic insurance not travel insurance. 

Well then, my apologies. You mean SOME claims do get paid?  One might have a hard time realizing that after reading some of these topics.

[jacko45k]

3 minutes ago, jerrymahoney said:

Well then, my apologies. You mean SOME claims do get paid?  One might have a hard time realizing that after reading some of these topics.

As stated, in my case. I certainly hear of others not being paid. What we read a lot of here is many young tourists claims not being accepted or being disputed, where riding of motorcycles is involved. Heck I rented many myself in my early Thailand days....