1st Class insurance.

[NoshowJones]

Anyone got it? Are you confident Thai insurance companies will pay out for hospital expenses, or hospitals will give insurance companies what they need in the event of a claim?

I have it on good authority a motorcyclist was taken to hospital and the hospital did not take a blood test to prove the motorcyclist hadn't been drinking,

The insurance company then refused to pay out 400,000Bt of hospital treatment because of this. I know this was the hospitals fault for not taking the blood test.

But if you have correct filled in the insurance companies form, can you be confident of getting paid in the event of a claim?

[Will B Good]

Have it, but far from confident it will pay up!!!

 

Costing me 13k a year for a fancy bit of paper???

[Screaming]

Actually, it was the driver of the motorbike's fault. No one in their right mind would get on a motorbike in Thailand.

[scubascuba3]

i was surprised how low Roojai put on a 1 year old Click 160. Roojai 40k, MSIG 50k, Roojai was cheaper but inferior cover.

 

As for medical cover on the insurance, how much is yours? on mine it's only 50k

[scubascuba3]

24 minutes ago, Screaming said:

Actually, it was the driver of the motorbike's fault. No one in their right mind would get on a motorbike in Thailand.

a friend of mine, cycles a lot maybe 12k km a year, just got hit by a car walking on Buakhao, more exposed walking than a bicycle or motorbike

[NoshowJones]

17 minutes ago, scubascuba3 said:

i was surprised how low Roojai put on a 1 year old Click 160. Roojai 40k, MSIG 50k, Roojai was cheaper but inferior cover.

 

As for medical cover on the insurance, how much is yours? on mine it's only 50k

less than 7000Bt for everything on 8 year  old Forza.

[scubascuba3]

6 minutes ago, NoshowJones said:

less than 7000Bt for everything on 8 year  old Forza.

i meant what medical cover does your policy include? mine is 50k on a Click

[Etaoin Shrdlu]

If there isn't a policy condition that stipulates that the policyholder must obtain a blood alcohol test after an accident, then I would question how an error or omission of a hospital that is not a party to the contract of insurance could void coverage for the policyholder.

 

I do see how an insurer might take this stance, but I'm not sure it would stand up if this were taken to the OIC.

 

Is there something else in play here that isn't mentioned in the OP? 

 

 

 

 

 

[NoshowJones]

35 minutes ago, scubascuba3 said:

i meant what medical cover does your policy include? mine is 50k on a Click

200,000 Baht.

[scubascuba3]

20 minutes ago, Etaoin Shrdlu said:

If there isn't a policy condition that stipulates that the policyholder must obtain a blood alcohol test after an accident, then I would question how an error or omission of a hospital that is not a party to the contract of insurance could void coverage for the policyholder.

 

I do see how an insurer might take this stance, but I'm not sure it would stand up if this were taken to the OIC.

 

Is there something else in play here that isn't mentioned in the OP? 

 

 

 

 

 

a good example where a lawyer may be required, can't just rely on OIC, how long would that drift on

[scubascuba3]

3 minutes ago, NoshowJones said:

200,000 Baht.

on the Forza? 7k premium? very unlikely to have 200k medical expenses covered, who with? do a screenshot if you can

[NoshowJones]

2 minutes ago, scubascuba3 said:

on the Forza? 7k premium? very unlikely to have 200k medical expenses covered, who with? do a screenshot if you can

PM on it's way.

[Etaoin Shrdlu]

10 minutes ago, scubascuba3 said:

a good example where a lawyer may be required, can't just rely on OIC, how long would that drift on

Filing a complaint with the OIC would likely resolve the issue more quickly than going to court and with much less expense.

[scubascuba3]

8 hours ago, Etaoin Shrdlu said:

Filing a complaint with the OIC would likely resolve the issue more quickly than going to court and with much less expense.

Didn't BM Simon go to OIC that was a while ago? heard nothing

[scubascuba3]

9 hours ago, NoshowJones said:

PM on it's way.

let us know on here when you get the confirm

[jwdub12]

12 hours ago, scubascuba3 said:

i meant what medical cover does your policy include? mine is 50k on a Click

You mind me asking how much Roojai charged you annually for your coverage on a Click 160?

[Etaoin Shrdlu]

2 hours ago, scubascuba3 said:

Didn't BM Simon go to OIC that was a while ago? heard nothing

I don't know about Simon going to the OIC.

 

One can always take an insurer to court if the OIC does not give a satisfactory result, but I would first go to the OIC.

[NoshowJones]

4 hours ago, scubascuba3 said:

let us know on here when you get the confirm

OK.

[eisfeld]

16 hours ago, NoshowJones said:

Anyone got it? Are you confident Thai insurance companies will pay out for hospital expenses, or hospitals will give insurance companies what they need in the event of a claim?

I have it on good authority a motorcyclist was taken to hospital and the hospital did not take a blood test to prove the motorcyclist hadn't been drinking,

The insurance company then refused to pay out 400,000Bt of hospital treatment because of this. I know this was the hospitals fault for not taking the blood test.

But if you have correct filled in the insurance companies form, can you be confident of getting paid in the event of a claim?

 

Sounds weird to me You don't need to prove that you were not drinking unless the policy states that which I've never seen. I've whitnessed 3 motorbike accidents that got covered by insurance in my friends and family environment. Not once did insurance want to see a blood test. They just covered the expenses without much fuss. What they were more interested in is the documentation from police about the accident if another party was involved so they can claw back the expenses from them.

 

If the policy really does state that then it's on you as the insured to make sure the hospital will do a blood test. The hospital will not study your policy. They don't even have access to it unless you hand it to them.

[NoshowJones]

36 minutes ago, eisfeld said:

 

Sounds weird to me You don't need to prove that you were not drinking unless the policy states that which I've never seen. I've whitnessed 3 motorbike accidents that got covered by insurance in my friends and family environment. Not once did insurance want to see a blood test. They just covered the expenses without much fuss. What they were more interested in is the documentation from police about the accident if another party was involved so they can claw back the expenses from them.

 

If the policy really does state that then it's on you as the insured to make sure the hospital will do a blood test. The hospital will not study your policy. They don't even have access to it unless you hand it to them.

I'm sorry, I have just wrote a long reply and it has disappeared right before my eyes, but thanks, your answer has been very helpful.

Edited December 22, 2023 by NoshowJones

[scubascuba3]

5 hours ago, jwdub12 said:

You mind me asking how much Roojai charged you annually for your coverage on a Click 160?

they quoted 6k but the have lots of options to increase or reduce cover except for value of motorbike, check online

[tgw]

I was unable to get RooJai motorcycle insurance, I'm driving a Yamaha Nouvo LC Elegance 135cc. Their system "no have" and when I inquired by phone, they said if system no have, then RooJai doesn't want to insure that model.

I can't quite understand why not.