Accident Insurance cover - Help Please

[BillBilous]

Hi All - Please Advise

I have been searching for suitable Medical Accident Insurance cover , specificaly to cover the costs of Hospital Bills incurred from an accident

I ride a Motor Cycle , Im 57 years old in excellent health - most MC Insurance policies only offer up to 100K - 200k bht for medical expenses

Im sure you will agree , this is not nearly adequate

I cant afford the very high Medical Insurance cover

So I'm trying to find a suitable accident Insurance

Ive looked at KASIKORN BANK - its 19,000 bht per annum for only 500 K of medical cover - again i don't think this is enough

or

please tell me what you think is adequate cover in thailand ???????

Can any one please advise of a better company - to emphasis

• i want accident medical / hospital cover
• not interested in life cover.... or loss of work / earnings / or loss of limb
• i do ride a motor bike

in anticipation thanks for your help

[transam]

AA Insurance Brokers (Thailand). They respond in English...........

[jpinx]

Bangkok Bank, Krungsri Bank, and others all have accident insurance packages and I'm pretty sure you can add-back the motorcycle cover,

[AAInsuranceBrokers]

Accident cover (P.A.) : have to say 19k for just 500k of cover is rather expensive but then that is typical of banks. For 15k Baht we can offer 625k Baht of medical expenses arising from any accident but stress this is for accidents only and cannot be compared to medical insurance which also covers you for anything 'nasty' from appendix to a heart attack (heaven forbid !).

Please feel free to PM me should you want more information, Peter.

[jpinx]

Some links that might be of interest.......

http://www.bangkokbank.com/BangkokBank/PersonalBanking/BuildYourWealth/Bancassurance/NonLifeInsurance/Pages/PA1st.aspx

http://www.tourismthailand.org/ThailandTravelShield/

http://www.bangkokinsurance.com/insurance/insurance-products.php

The last one is the one I believe will do motorbike cover. I got the Bangkok Bank one cos I don't use motosai taxi's much now.

[jpinx]

Accident cover (P.A.) : have to say 19k for just 500k of cover is rather expensive but then that is typical of banks. For 15k Baht we can offer 625k Baht of medical expenses arising from any accident but stress this is for accidents only and cannot be compared to medical insurance which also covers you for anything 'nasty' from appendix to a heart attack (heaven forbid !).

Please feel free to PM me should you want more information, Peter.

Yours looks expensive when I got 600k cover for 5k here...

http://www.bangkokbank.com/BangkokBank/PersonalBanking/BuildYourWealth/Bancassurance/NonLifeInsurance/Pages/PA1st.aspx

[stevenl]

Accident cover (P.A.) : have to say 19k for just 500k of cover is rather expensive but then that is typical of banks. For 15k Baht we can offer 625k Baht of medical expenses arising from any accident but stress this is for accidents only and cannot be compared to medical insurance which also covers you for anything 'nasty' from appendix to a heart attack (heaven forbid !).

Please feel free to PM me should you want more information, Peter.

Yours looks expensive when I got 600k cover for 5k here...

http://www.bangkokbank.com/BangkokBank/PersonalBanking/BuildYourWealth/Bancassurance/NonLifeInsurance/Pages/PA1st.aspx

Op is 57, would be only 2,5k according to your link (limited cover for motorbike riding though, and for 65+ no cover for motorbike riding).

[jpinx]

Accident cover (P.A.) : have to say 19k for just 500k of cover is rather expensive but then that is typical of banks. For 15k Baht we can offer 625k Baht of medical expenses arising from any accident but stress this is for accidents only and cannot be compared to medical insurance which also covers you for anything 'nasty' from appendix to a heart attack (heaven forbid !).

Please feel free to PM me should you want more information, Peter.

Yours looks expensive when I got 600k cover for 5k here...

http://www.bangkokbank.com/BangkokBank/PersonalBanking/BuildYourWealth/Bancassurance/NonLifeInsurance/Pages/PA1st.aspx

Op is 57, would be only 2,5k according to your link (limited cover for motorbike riding though, and for 65+ no cover for motorbike riding).

OP needs to explore his options and talk to the people behind the links I posted. The reality is that there's other packages n offer - some with full m'cycle cover

[AAInsuranceBrokers]

Accident cover (P.A.) : have to say 19k for just 500k of cover is rather expensive but then that is typical of banks. For 15k Baht we can offer 625k Baht of medical expenses arising from any accident but stress this is for accidents only and cannot be compared to medical insurance which also covers you for anything 'nasty' from appendix to a heart attack (heaven forbid !).

Please feel free to PM me should you want more information, Peter.

Yours looks expensive when I got 600k cover for 5k here...

http://www.bangkokbank.com/BangkokBank/PersonalBanking/BuildYourWealth/Bancassurance/NonLifeInsurance/Pages/PA1st.aspx

As Stevenl has pointed out you are reading the benefits wrong - what the poster was asking for was medical expenses but what you have misread are the Death and disability benefits which is easily done but why one should seek help when buying insurances here as they are not always the same as one might be used to in the West.

[jpinx]

Accident cover (P.A.) : have to say 19k for just 500k of cover is rather expensive but then that is typical of banks. For 15k Baht we can offer 625k Baht of medical expenses arising from any accident but stress this is for accidents only and cannot be compared to medical insurance which also covers you for anything 'nasty' from appendix to a heart attack (heaven forbid !).

Please feel free to PM me should you want more information, Peter.

Yours looks expensive when I got 600k cover for 5k here...

http://www.bangkokbank.com/BangkokBank/PersonalBanking/BuildYourWealth/Bancassurance/NonLifeInsurance/Pages/PA1st.aspx

As Stevenl has pointed out you are reading the benefits wrong - what the poster was asking for was medical expenses but what you have misread are the Death and disability benefits which is easily done but why one should seek help when buying insurances here as they are not always the same as one might be used to in the West.

Fair comment I was lazy when reading the OP, but then again, so many people's requirements get refined as they discover what's available.

Not wanting to Hijack this thread but I'd be interested to know what you offer by way of health insurance for a 67 year old. Maybe best to PM me so we don't get deleted in here

[BillBilous]

Thanks to all that gave me assistance ….. its really helped me

I'm now in the process of contacting each insurance company for the best offer

I still have one question ….

Why in Thailand is it difficult to find ACCIDENT ONLY INSURANCE COVER ???

it seems i can only find accident insurance that is linked with life cover - which i dont need … or loss of earnings …..which i don't need

additionally the medical insurance offered by the insurance companies is ridiculously low….. how can 100 / 200 k bht be of any use to pay for medium or long term hospitalisation ??

If any one knows of a very good accident only insurance policy please do contact me

Once again many thanks for the help offered

Regards to All

[AAInsuranceBrokers]

Actually P.A. (accident insurance) is very easy to find and many companies offer it. May I suggest you go HERE and we can quote you on the various offerings ?

As for medical insurance again higher benefits are easily obtainable up to (example) 33m Baht per year.

[stevenl]

Thanks to all that gave me assistance ….. its really helped me

I'm now in the process of contacting each insurance company for the best offer

I still have one question ….

Why in Thailand is it difficult to find ACCIDENT ONLY INSURANCE COVER ???

it seems i can only find accident insurance that is linked with life cover - which i dont need … or loss of earnings …..which i don't need

additionally the medical insurance offered by the insurance companies is ridiculously low….. how can 100 / 200 k bht be of any use to pay for medium or long term hospitalisation ??

If any one knows of a very good accident only insurance policy please do contact me

Once again many thanks for the help offered

Regards to All

This is difficult for you because you're looking into something that you don't know much about.

Ask the specialists, you don't pay more but get service. So contact a broker, for example the forum sponsor.

[harrry]

Accident cover (P.A.) : have to say 19k for just 500k of cover is rather expensive but then that is typical of banks. For 15k Baht we can offer 625k Baht of medical expenses arising from any accident but stress this is for accidents only and cannot be compared to medical insurance which also covers you for anything 'nasty' from appendix to a heart attack (heaven forbid !).

Please feel free to PM me should you want more information, Peter.

Yours looks expensive when I got 600k cover for 5k here...

http://www.bangkokbank.com/BangkokBank/PersonalBanking/BuildYourWealth/Bancassurance/NonLifeInsurance/Pages/PA1st.aspx

- General accident

- Injury, death or disability

from social disturbances

- Murder or assault

- Accident while driving

or traveling on a

motorcycle

200,000

200,000

200,000

-

200,000

200,000

200,000

-

400,000

400,000

400,000

-

600,000

600,000

600,000

-

looks like you need to read the fine print No Motorcycle cover with the Bangkok Bank one.

[jpinx]

Accident cover (P.A.) : have to say 19k for just 500k of cover is rather expensive but then that is typical of banks. For 15k Baht we can offer 625k Baht of medical expenses arising from any accident but stress this is for accidents only and cannot be compared to medical insurance which also covers you for anything 'nasty' from appendix to a heart attack (heaven forbid !).

Please feel free to PM me should you want more information, Peter.

Yours looks expensive when I got 600k cover for 5k here...

http://www.bangkokbank.com/BangkokBank/PersonalBanking/BuildYourWealth/Bancassurance/NonLifeInsurance/Pages/PA1st.aspx

- General accident

- Injury, death or disability

from social disturbances

- Murder or assault

- Accident while driving

or traveling on a

motorcycle

200,000

200,000

200,000

-

200,000

200,000

200,000

-

400,000

400,000

400,000

-

600,000

600,000

600,000

-

looks like you need to read the fine print No Motorcycle cover with the Bangkok Bank one.

Looks like Motorbike accidents are covered to some extent for younger people

[harrry]

Accident cover (P.A.) : have to say 19k for just 500k of cover is rather expensive but then that is typical of banks. For 15k Baht we can offer 625k Baht of medical expenses arising from any accident but stress this is for accidents only and cannot be compared to medical insurance which also covers you for anything 'nasty' from appendix to a heart attack (heaven forbid !).

Please feel free to PM me should you want more information, Peter.

Yours looks expensive when I got 600k cover for 5k here...

http://www.bangkokbank.com/BangkokBank/PersonalBanking/BuildYourWealth/Bancassurance/NonLifeInsurance/Pages/PA1st.aspx

- General accident

- Injury, death or disability

from social disturbances

- Murder or assault

- Accident while driving

or traveling on a

motorcycle

200,000

200,000

200,000

-

200,000

200,000

200,000

-

400,000

400,000

400,000

-

600,000

600,000

600,000

-

looks like you need to read the fine print No Motorcycle cover with the Bangkok Bank one.

Looks like Motorbike accidents are covered to some extent for younger people

The OP said he is 57 years old.

[jpinx]

Looks like Motorbike accidents are covered to some extent for younger people

The OP said he is 57 years old.

Yep - so I was using the appropriate page ......

• PA 1st Kids for persons aged 1-16 years
• PA 1st Smart for persons aged 16-65 years
• PA 1st Senior for persons aged 50-100 years

Table of PA 1st Kids Protection and Benefits Table of PA 1st Smart Protection and Benefits Table of PA 1st Senior Protection and Benefits

[PacificCrossInsurance]

I would not recommend a stand alone Personal Accident Insurance policy because of the restricted cover as well as limitations relating to motorcycle riding. However Pacific Cross Health Insurance have a health insurance product range that consists of nine basic plans with many variables that can be added or subtracted.

The most basic of these 9 provides a maximum of 300,000 baht per disability (which can be hospitalisation as a result of accident or illness); 500,000 baht in worldwide emergency assistance and 650,000 baht in emergency medical evacuation. The annual premium for age 56-60 is 18,337 baht and this can be reduced by 20% if you elect to opt out of Outpatient cover; and there is also a no-claim bonus that rises to a further 20% after 3 claim free years. To keep the premiums as low as possible on this policy you can't choose to be treated at BNH Hospital, Bumrungrad, Bangkok General, or Sumitivej Hospitals.

The next level has a maximum cover per disability of 500,000 baht and annual premium at your age is 25,273 Baht and going further to the third tier cover is 1 million baht per disability, the hospital restrictions are lifted and the annual premium before any discounts is 31,601 baht.

You can read more at the following link - Pacific Cross Health Insurance Lifestyle Health Cover - or for further information or advice speak to your Thai registered insurance broker, or obtain a quote from Pacific Cross at the following link - Pacific Cross Health Insurance Health Insurance Quote.

I hope this helps.

[jpinx]

Whilst it is interesting to read your comments, you fail to grasp the essential point here. The requirement is for a policy to cover HOSPITAL BILLS in the event of an accident. Life cover is not needed, Compensation for loss of limbs, eyes, etc, is not needed. Loss of income is not needed. Health cover is not needed.

I really must get off my ass one day and wander into the local private hospital and see if they have a plan of their own, because insurance companies and brokers seem to have a blind spot here.....

[tmaker]

they only want to sell,sell,sell ?? lol..

and i also just found out yesterday.

the insurance i bought for my bike is ONLY FOR IF I DIE in an accident o my bike !!....lol...

it do not cover repairs ...unlike in my country....

[stevenl]

they only want to sell,sell,sell ?? lol..

and i also just found out yesterday.

the insurance i bought for my bike is ONLY FOR IF I DIE in an accident o my bike !!....lol...

it do not cover repairs ...unlike in my country....

That's the difference between 1st or second class and only 3rd party insurance. You can get what you want, just have to pay for it.

[LivinLOS]

Yep - so I was using the appropriate page ......

• PA 1st Kids for persons aged 1-16 years
• PA 1st Smart for persons aged 16-65 years
• PA 1st Senior for persons aged 50-100 years

Table of PA 1st Kids Protection and BenefitsTable of PA 1st Smart Protection and BenefitsTable of PA 1st Senior Protection and Benefits

Assuming you are quoting 600k of accident cover from 1st smart protection I would suggest your reading it wrong..

Thats 600k of payout in the case of

"Accidental loss of life,

dismemberment, loss of sight, loss of hearing, loss of speech or permanent disability resulting from:

- General accident

- Injury, death or disability

from social disturbances

- Murder or assault

- Accident while driving or

traveling on a motorcycle"

It would appear to only pay 30k for medical cover (bottom of the table).

Maximum payment for medical expenses per accident (for general accidents, including murder, assault, while driving or traveling on a motorcycle, and accidents arising from social disturbances there isno limit to the number of accidents)

[jpinx]

Yep - so I was using the appropriate page ......

• PA 1st Kids for persons aged 1-16 years
• PA 1st Smart for persons aged 16-65 years
• PA 1st Senior for persons aged 50-100 years

Table of PA 1st Kids Protection and BenefitsTable of PA 1st Smart Protection and BenefitsTable of PA 1st Senior Protection and Benefits

Assuming you are quoting 600k of accident cover from 1st smart protection I would suggest your reading it wrong..

Thats 600k of payout in the case of

"Accidental loss of life,

dismemberment, loss of sight, loss of hearing, loss of speech or permanent disability resulting from:

- General accident

- Injury, death or disability

from social disturbances

- Murder or assault

- Accident while driving or

traveling on a motorcycle"

It would appear to only pay 30k for medical cover (bottom of the table).

Maximum payment for medical expenses per accident (for general accidents, including murder, assault, while driving or traveling on a motorcycle, and accidents arising from social disturbances there isno limit to the number of accidents)

600,000 plus loss of income 20;000/month for a year plus Compensation for physical therapy 30,000 plus medical expenses 60,000 (I might have to break my little finger for that)

Total benefit for 930,000

Premium 5,080 Baht

[JoePai]

medical expenses 60,000 that seems very poor, would hardly cover anything ?

[jpinx]

There's another thread on the same topic here

http://www.thaivisa.com/forum/topic/794208-q-what-insurance-coverage-is-recommended-needed/

and the thing that stands out mostly is that there are as many different requirements as there are people asking. Everyone must work out their own solution, perhaps with the assistance of an insurance broker.

I said 930,000 total benefits, but someone else said 60,000 -- so it depends on your interpretation..

[AnotherOneAmerican]

Accident cover (P.A.) : have to say 19k for just 500k of cover is rather expensive but then that is typical of banks. For 15k Baht we can offer 625k Baht of medical expenses arising from any accident but stress this is for accidents only and cannot be compared to medical insurance which also covers you for anything 'nasty' from appendix to a heart attack (heaven forbid !).

Please feel free to PM me should you want more information, Peter.

Yours looks expensive when I got 600k cover for 5k here...

http://www.bangkokbank.com/BangkokBank/PersonalBanking/BuildYourWealth/Bancassurance/NonLifeInsurance/Pages/PA1st.aspx

Op is 57, would be only 2,5k according to your link (limited cover for motorbike riding though, and for 65+ no cover for motorbike riding).

PA1st only gives 30k cover per accident for 2k5 (I have this cover), 600k death.

Kasikorn give 50k cover per accident for 2k5, 1M death.

[jpinx]

Accident cover (P.A.) : have to say 19k for just 500k of cover is rather expensive but then that is typical of banks. For 15k Baht we can offer 625k Baht of medical expenses arising from any accident but stress this is for accidents only and cannot be compared to medical insurance which also covers you for anything 'nasty' from appendix to a heart attack (heaven forbid !).

Please feel free to PM me should you want more information, Peter.

Yours looks expensive when I got 600k cover for 5k here...

http://www.bangkokbank.com/BangkokBank/PersonalBanking/BuildYourWealth/Bancassurance/NonLifeInsurance/Pages/PA1st.aspx

Op is 57, would be only 2,5k according to your link (limited cover for motorbike riding though, and for 65+ no cover for motorbike riding).

PA1st only gives 30k cover per accident for 2k5 (I have this cover), 600k death.

Kasikorn give 50k cover per accident for 2k5, 1M death.

you read it narrowly. It is 60K if broken bones involved, 600k for major permanent disability - plus a years salary compensation.

As I have said many times -- people need to take their blinkers off when reading something they are averse to agreeing with - just in case it's not as bad as it seems

[AnotherOneAmerican]

you read it narrowly. It is 60K if broken bones involved, 600k for major permanent disability - plus a years salary compensation.

30K, Good luck getting more ......

[jpinx]

you read it narrowly. It is 60K if broken bones involved, 600k for major permanent disability - plus a years salary compensation.

30K, Good luck getting more ......

insurance.jpg

My card is Senior and says 30k and 60k -- as per the brochure. The card is just to give the hospital your information and to let them contact the insurers -- thereafter the full terms and conditions will apply...

My glass is half-full

[AnotherOneAmerican]

you read it narrowly. It is 60K if broken bones involved, 600k for major permanent disability - plus a years salary compensation.

30K, Good luck getting more ......

insurance.jpg

My card is Senior and says 30k and 60k -- as per the brochure. The card is just to give the hospital your information and to let them contact the insurers -- thereafter the full terms and conditions will apply...

My glass is half-full

Unfortunately this thread is talking about m/c cover (as specified by OP).

Motorcycle accidents are explicitly excluded from the Senior card cover, but you are right, senior pays double for other accidents. PA1st SMART covers m/c accidents as well as all other accidents up to 30k.

I guess as you have the Senior card, we must allow you your senior moments.