Thailand’s Medical Insurance Rules Confuse Tourists

[lordgrinz]

6 hours ago, Scouse123 said:

because ' everybody is doing it ' that they just follow the crowd.

 

If everyone jumped off a cliff to their death, should we all "follow the crowd"?

[agogohome]

I can't believe the idiotic replies! 

Why should the insurance company pay, when the fool was riding without a helmet? If he'd been complying with the law, then they'd have no reason for refusal. 

[Stargeezr]

I wonder just how many WOKE tourists think that Thailand will cover  them

if they need medical insurance for injuring themselves.

  I guess there are idiots all over the world.  i do not like the extra expense of

medical insurance, but hospitals in Thailand are pretty expensive, if you have to stay

in them for any length of time. Get your insurance! Have a good worry free holiday vacation.

[geisha]

On 11/1/2024 at 4:31 PM, Stargeezr said:

I wonder just how many WOKE tourists think that Thailand will cover  them

if they need medical insurance for injuring themselves.

  I guess there are idiots all over the world.  i do not like the extra expense of

medical insurance, but hospitals in Thailand are pretty expensive, if you have to stay

in them for any length of time. Get your insurance! Have a good worry free holiday vacation.

Nothing to do with woke.  It’s mainly the not used to traveling that don’t take out insurance. Very naive of course . Lots of younger people in good health also don’t think of the danger. Personally I think that Travel Insurance should be obligatory for all tourists. Then the problem would be solved, except for the fools that break the rules on motorbikes etc,  then insurance doesn’t cover them.

 

[watchcat]

On 10/31/2024 at 5:25 AM, RamblingOn said:

Indeed, follow the law, seems that quite a few people  do not know what following the law means.

 

And they're the ultra-rich.

[Deerculler]

On 10/31/2024 at 10:32 AM, newbee2022 said:

Hahaha, probably this will follow. And there are a lot other stupid farangs who will give a donation.

Maybe one day you will need help of some kind.

Not always money.

I hope you will remember your comments and choke on them.

[newbee2022]

1 hour ago, Deerculler said:

Maybe one day you will need help of some kind.

Not always money.

I hope you will remember your comments and choke on them.

Hmmh, you're right. Not all are as intelligent as you

[RJRS1301]

On 10/31/2024 at 5:16 PM, ChrisKC said:

The first reason for wearing a helmet is not because of the law.

 

it is the responsibility of the rider to protect against the possibility of a serious accident involving his head!!

 

Too late,  by choosing to  not wear a helmet, he was already seriously impaired 

 

[Gknrd]

Insurance companies creed. "Do we cheat them , and how do we cheat them"

[Puccini]

On 10/30/2024 at 10:30 PM, webfact said:

Cobb’s insurance was denied due to a clause excluding incidents involving "negligence, intent, illegal acts or risky behaviour," exacerbated by his lack of a crash helmet, reported Barry Kenyon for Pattaya Mail

 

I am the only one confused here?

 

"...Cobb’s insurance was denied..." sggest that Cobb applied for an insurance policy but was denied it.

 

The rest of that paragraph suggests that he was insured but the insurance company denies responsibility for payment of the cost of treatment because the insurance policy excludes  incidents involving "negligence, intent, illegal acts or risky behaviour," exacerbated by his lack of a crash helmet. 

 

Another paragraph in the news article suggests that Cobbs believed he was inured but in fact was not.

[Puccini]

On 11/1/2024 at 3:19 AM, agogohome said:

I can't believe the idiotic replies! 

Why should the insurance company pay, when the fool was riding without a helmet? If he'd been complying with the law, then they'd have no reason for refusal. 

 

In the case of Johnathon Cobb mentioned in the news article, it appears that no insurance company is involved.

[Puccini]

On 10/30/2024 at 10:30 PM, webfact said:

...Under the impression that the Thai government offered free medical treatment to foreigners holding tourist visas, he sought assistance, only to find out otherwise...

 

I wonder what gave Jonathan Cobb "the imppression that the Thai government offered free medical treatment to foreigners holding tourist visas". Is there anything on the website of the Thai embassy in London or  in the online application for the tourist visa to give this impression?

[Puccini]

On 10/30/2024 at 10:30 PM, webfact said:

Recent events have highlighted a pressing issue that has left many tourists in Thailand perplexed: medical insurance coverage. Jonathon Cobb, a 28-year-old tourist from the UK, uncovered this muddle firsthand. While travelling in Pattaya, Cobb suffered a severe accident after falling from a motorcycle, resulting in a broken arm and facial injuries.

 

I wondered when Jonathon Cobb had this accident in Pattaya and searched the world-wide web but got no result about a Jonathon or Jonathan Cobb having suffered this fate. Now I'm starting to doubt my sanity if I can't even make such a simple Internet search.

[zaZa9]

I cant seem to find any reference to "Compulsory " ? All  properly taxed  vehicles are supposed to carry CTP Insurance . Admittedly the cover is  only a paltry 30,000 baht max , but as its fault free  I dont understand why that avenue was not explored ??