17 hours ago, John Drake said:

As this story and so many similar ones we see constantly on AN indicate, this is overwhelmingly a problem for young tourists. But when the calls for mandatory insurance pop up

Agreed insurance should be included in the rental price like in most of the civilized world. Obviously, if your don't rent a motorcycle you should not be required to buy motorcycle insurance. 

1 minute ago, Venom said:

Agreed insurance should be included in the rental price like in most of the civilized world. Obviously, if your don't rent a motorcycle you should not be required to buy motorcycle insurance. 

More particularly a rental insurance, foreign tourists for the use of, should be obligated. They already have the CTPL which is a nationwide obligatory one, and making the Thais pay for more would not be popular.  The exclusions (small print, big print, pretty font, whatever) seem to render a lot of the travel policies tourists may have, as useless when motorcycle accidents happen. I wonder if the 300 baht entry tax will indeed provide an idiot fund to help these fools who get injured. 

53 minutes ago, quake said:

Bs

Open face lid is fine.

 

If you don't care  about your face / teeth 

13 hours ago, AdrianUk said:

the volenteer ambulance crews get 10%, so they take them to expensive hospitals, in other cases its a massive bill, that could have been avoided

And where exactly are you getting the info from? I'd love to see a link for that 

11 hours ago, Martin Brit said:

They have no concept of safe riding. Thais same. In UK one has to do a compulsory bike training course before you are then allowed to get on a small bike with L plates to gain experience. I would recommend anyone doing it before they go abroad and hop on a bike. You learn so much & probably save your life.

Agree 110%.

 

It's all too hard for the Thai's, e.g. if there's no money in it, why bother, and why enforce anything, cops here are utterly useless, an example, mates wife, can't drive for sheet went for her driving test the other day, passed with flying colours, cost 1,000 baht, did she get in the car, yep, sat in it for about 5 minutes with the guy, then walked back into the registry, didn't even start it, money went into his hand and it was smiles all around.

 

Now she is another one on the road here driving with zero experience, Buddha help those who don't know how to avoid most of them on the road.

 

Not Thai bashing, just pointing out the obvious, suffice to say, farangs are welcome to hit the tarmac here, hospitals will take care, jut bring your money with you, if not have, go to GoFundMe, Kar????

13 minutes ago, Bday Prang said:

If you don't care  about your face / teeth 

Been fine for me for 51 years. ( I'm only 60 now )

Still got all my teeth and handsome man, according to the Thai ladies. 

 

 

 

   I have what I consider very good health insurance but if I am injured doing something illegal my insurance is voided for that injury.   A lot of the posts have been focused on whether the victim was wearing a helmet.  If the victim was driving a motorcycle in Thailand without a valid motorcycle license, regardless of whether he was wearing a helmet, he was driving illegally and, if his insurance is anything like mine, he would have voided his coverage through an illegal act.  

   I don't know about Britain but America, with 300 million people, has only around 9 million registered motorcycle licenses.  So, it's likely that any American tourist you see driving a motorcycle in Thailand probably does not possess a valid motorcycle license and, if injured in an accident, may not be covered by their insurance if there is a clause covering illegal activity.

9 hours ago, Kalasin Jo said:

Insurers are not in the business of paying out if they can find a way not to.

Insurers are, in fact, in the business of paying out as the industry's statistics for legitimate claims prove. Over 80% of travel insurance claims are paid by insurers.   

They are not, of course, in the business of charitable payments for policy holders who void their own policies and then cry about it with the support of those who do not know what they are talking about.

11 hours ago, kwilco said:

are you saying the police didn't atend this crash 

No, that's not what I said about this accident. 

Read my comment again for a full understanding of what I actually, very clearly, posted.

Edited April 5, 20233 yr by Liverpool Lou

A flame and a reply have been removed

15 hours ago, Celsius said:

Thailand recently added yet another tourist tax which is supposed to cover incidents like this.

No, it hasn't, not yet but, even if it is put into force, it has not been stated to be insurance coverage to repatriate foreign ICU patients.

Edited April 5, 20233 yr by Liverpool Lou

15 hours ago, Celsius said:

Thailand recently added yet another tourist tax

What are all the other tourist taxes ("yet another") you're referring to?

The Insurance company is right to deny the claim! even a novice should know the dangers of riding anything in Thailand much less bangkok without a helmet if the Insurance company is paying for his hospital bill here, then I would have them continue paying the bills as Thailand has some excellent doctors who can handle that kind of emergency.

. 

15 hours ago, Ralf001 said:

For a head that has been operated on twice the hair appears to be doing ok.

Presumably that's due to the expertise of the surgeon or the site of the operation not being visible from the photo.

15 hours ago, Ralf001 said:

Medivac repatriation can be done on a commercial aircraft a lot cheaper.

Only as long as an airline accepts the patient (not all do) but the changes it mat have to make to accommodate him and the medical escorts gets expensive.

15 hours ago, Ralf001 said:

Been riding for years and my insurance covers me provided Iam sober and wearing the correct safety gear.

But, presumably, your insurance is not travel insurance.

15 hours ago, Dan O said:

You hope it does but won't know unless you actually had a similar accident 

Why would that be the case?  It's safe to assume that he has read his policy and know what cover he has and that it is not travel insurance.

Edited April 5, 20233 yr by Liverpool Lou

15 hours ago, markclover said:

Just goes to show how utterly useless the Thai medical system is.  People literally need to flown home.

Just goes to show how utterly ignorant some people are about Thai medical personnels' expertise.  

15 hours ago, Dan O said:

15 hours ago, Ralf001 said:

Guess you know better than my insurance company then !!

Nope, I just know how they operate. Everyone thinks they're covered for everything when in reality they have exclusions and exception to many things.

"Nope, I just know how they operate".

Obviously, you do not.

 

"...in reality they have exclusions..."

Of course, they do, and they are all laid out in the policy documents that the insurer supplies to the insured to read.

It was a motorbike NOT a Moped. 

15 hours ago, phetpeter said:

If he is at private hospital, they will state they are unable or unwilling, for 2 reasons, firstly they are unwilling because they may not get the money, or they dont have the right staff to do the work. second, they dont like work that might mean the death occuring and affecting their bottom line.

Garbage.

Edited April 5, 20233 yr by Liverpool Lou

15 hours ago, Yellowtail said:

In the over twenty years I have been here, I have received great care from the hospitals I have used and I have never had any difficulty getting my claims paid. I did have to resubmit a few claims with a clarifying statement, but they were all ultimately paid. 

Come on, come on, that can't be true, Asean Now naysaying posters know much more about the insurance and medical industry than anyone with personal experience or actual knowledge of those industries!

12 hours ago, it is what it is said:

 

would have been useful if the OP had added some value by including the donation website link... just sayin...

It's in the link to the OP.

11 hours ago, ukrules said:

This insurance sounds like it's not worth the paper it's written on

You're right, it's not worth a carrot, because it sounds as thought the policy holder voided it!

31 minutes ago, brianthainess said:

It was a motorbike NOT a Moped. 

Doesn't matter.

45 minutes ago, Liverpool Lou said:

Only as long as an airline accepts the patient (not all do) but the changes it mat have to make to accommodate him and the medical escorts gets expensive.

Yeah Sheryl posted about this earlier and a commercial flight would be approx 50% cheaper.

46 minutes ago, Liverpool Lou said:

But, presumably, your insurance is not travel insurance.

Correct, it is not travel insurance.

41 minutes ago, Liverpool Lou said:

"Nope, I just know how they operate".

Obviously, you do not.

 

"...in reality they have exclusions..."

Of course, they do, and they are all laid out in the policy documents that the insurer supplies to the insured to read.

And that's what I said but maybe you didn't read. 

4 hours ago, Venom said:

Agreed insurance should be included in the rental price like in most of the civilized world. Obviously, if your don't rent a motorcycle you should not be required to buy motorcycle insurance. 

I would imagine the small print in the conditions section of a insurance policy is the same in almost every country.... hemetless or drunk when involved in an accident and you are on your own 

16 minutes ago, Dan O said:

59 minutes ago, Liverpool Lou said:

"Nope, I just know how they operate".

Obviously, you do not.

 

"...in reality they have exclusions..."

Of course, they do, and they are all laid out in the policy documents that the insurer supplies to the insured to read.

And that's what I said but maybe you didn't read. 

Yes, I can read, I can also read the implication in your comment which was suggesting that there are exclusions that are not made clear to policy holders and are then used to deny claims.

 

If I misinterpreted your comment, my apologies.

Edited April 5, 20233 yr by Liverpool Lou