accidents and insurance

[leggo]

If you are travelling in a mini bus or on a songthaew and they are involved in an accident and you require medical treatment who is responsable and who pays?

Similarly if you are on public transport ie train ?

[sms747]

do you imagine any carrier is insured for passengers? maybe the trains but I think that would be it.

[aveabeeror2]

do you imagine any carrier is insured for passengers? maybe the trains but I think that would be it.

The bus crash I was in,driver went to sleep, hospital bills were covered. Me, unhurt.

[khunPer]

You may need to cover yourself by a PA (Personal Accident insurance) or travel insurance, in Thailand you never know unless public transport company, don't depend on the carrier have one.

[sms747]

do you imagine any carrier is insured for passengers? maybe the trains but I think that would be it.

The bus crash I was in,driver went to sleep, hospital bills were covered. Me, unhurt.

what was the bus company?

[mca]

Ive got all singing all dancing personal accident insurance. About 9k baht a year.

[loricifera]

Ive got all singing all dancing personal accident insurance. About 9k baht a year.

Please elaborate. What does it cover, and through whom?

[mca]

It's with AXA. Their smartcare prime 2 plan 4. Had a couple of claims in the past with me being a clumsy bugger. Never a problem and I didn't pay a penny in private hospital. As much morphine as I could handle!

[leggo]

It's with AXA. Their smartcare prime 2 plan 4. Had a couple of claims in the past with me being a clumsy bugger. Never a problem and I didn't pay a penny in private hospital. As much morphine as I could handle!

Problem is I'm 68 and the cheapest private insurance is way too expensive .

[khunPer]

It's with AXA. Their smartcare prime 2 plan 4. Had a couple of claims in the past with me being a clumsy bugger. Never a problem and I didn't pay a penny in private hospital. As much morphine as I could handle!

Problem is I'm 68 and the cheapest private insurance is way too expensive .

Some companies offers a senior PA, Bangkok Bank for example have one up to 100 years of age (PA 1st Senior Plan), costs from about 2,000 to 5,000 baht/year depending of coverage. Kasikorn Bank may also have one. SCB changed in theirs, so they have separate PA for foreigner that is a bit more up-price, but also with higer benefits. However, most Thai PAs don't cover much for medical.

[mca]

It's with AXA. Their smartcare prime 2 plan 4. Had a couple of claims in the past with me being a clumsy bugger. Never a problem and I didn't pay a penny in private hospital. As much morphine as I could handle!

Problem is I'm 68 and the cheapest private insurance is way too expensive .

My wife has paid for the same policy for her mum since she was about your age so why not give them a shot.

[leggo]

Will get in touch but suspect it will be expensive as I am faring! Thanks for info anyway!

Sent from my i-mobile IQ 2 using Thaivisa Connect Thailand mobile app

[mca]

Like i said i pay 9000 baht a year the same as my Thai family. Remember this isn't health insurance its personal accident insurance. The policy prices and coverage are on website. Axa are a huge international company. Nothing dodgy

[aveabeeror2]

do you imagine any carrier is insured for passengers? maybe the trains but I think that would be it.

The bus crash I was in,driver went to sleep, hospital bills were covered. Me, unhurt.

what was the bus company?

Krabi to Phuket, thats all I know.