Compulsary Govt insurance pays medical?

[Kenny202]

I read a post tonight saying that Thailand free medical for Thais only covers sickness and not accidents. I confirmed this with my wife and asked her why. She said because of the compulsary Govt vehicle insurance pays. I understand it is personal injury insurance.

This being the case, I have a car and a bike and thai licences. Both have compulsary Govt insurance.

Firstly does this cover me or only someone I hit, my passengers?

Does it only cover thai people or farang?

I go out tomorrow on my bike and hit a tree. Am I covered?

[Kopitiam]

The compulsory government insurance for cars and motorbikes provides a unrealistically low cover. As a foreigner you should take out a 1st class insurance in addition to the government one.

[Tywais]

Compulsory motor insurance (Compulsory Motor Insurance).

Means car insurance that every car owner to have car insurance by law if you do not have an account yet. This law is Victims Protection Act of 2535 vehicles or in short, "The Insurance Act.".

The Insurance Act. requires that every car owner must do the Insurance Act. The evidence of the registration and annual car tax. If the car is not insured Act. There is a fine not exceeding 10,000 baht, and the Department of Transport will not be registered or to tax the car

The Insurance Act. Provides coverage for damage caused to the victims below.

• The case has been damaged Body or health But not to the dismemberment. Or permanent disability To pay compensation for medical expenses and other damages that victims can claim as a violation. The real damage, but not exceeding 50,000 baht per one person.
• Death Dismemberment Coverage To pay the full amount of coverage up to 200,000 baht per one person.
• When admitted to hospital as an inpatient in a nursing home. Will pay 200 baht per day, the total number does not exceed 20 days.
• Preliminary damage to the victims is not received within 7 days from the date the insurer receives the request without waiting for proof of liability not exceeding 15,000 baht per one person.
• Initial death compensation Dismemberment, permanent disability, the insurance company will pay for damages Peongspo preliminary and necessary expenses associated with the management of dead bodies.

  Do not exceeding 35,000 baht per one person.

http://promiseins.com/en/main.php?pages=compulsory

[Sheryl]

As above..covers only the people you may injure, not you, and at an unrealistically low level.

[topt]

As above..covers only the people you may injure, not you, and at an unrealistically low level.

So how come someone I know was able to claim on his compulsory mc insurance for about 16-19k when he turned his ankle over (near where his bike was parked apparently..... ) ?

Agree at the levels but there was also a thread about this and someone else I think reported claiming successfully?

[Dellie]

The 30 baht health insurance DOES cover accidents if that's the one you mean. There is no free health insurance. There is the 30 baht one that Taksin introduced and there is the social insurance (prakkan sankom) you get from working and paying tax.

[stevenl]

As above..covers only the people you may injure, not you, and at an unrealistically low level.

So how come someone I know was able to claim on his compulsory mc insurance for about 16-19k when he turned his ankle over (near where his bike was parked apparently..... ) ?

Agree at the levels but there was also a thread about this and someone else I think reported claiming successfully?

Some people get lucky sometimes.

[MYKTHEMIN]

The compulsory insurance will pay your hospital bills if you fall off the bike up to 30000.

[Sophon]

As above..covers only the people you may injure, not you, and at an unrealistically low level.

So how come someone I know was able to claim on his compulsory mc insurance for about 16-19k when he turned his ankle over (near where his bike was parked apparently..... ) ?

Agree at the levels but there was also a thread about this and someone else I think reported claiming successfully?

Some people get lucky sometimes.

I have never needed to claim, but I believe that the compulsory insurance do actually cover the insured as well. This is what my AXA policy says (in somewhat convoluted English):

3.2 If the victim is the insured or family member of the insured, who is not the driver, the compensation stipulated in items 3.1.1, 3.1.2, 3.1.3, 3.1.4 and 3.1.5 will favorably be applied only, when the driver is at fault.

3.3 If the victim is the driver of the insured motor vehicle, and is at fault to an accident or no one is legally liable to the driver who is the victim, the Company will compensate for the above expenses not exceeding the initial compensation alone.

Clauses 3.1.1 to 3.1.5 are the clauses that stipulate the amount of coverage for the victim. I find clauses 3.2 and 3.3 clear as mud, but still there clearly seems to be some coverage for all victims including the driver/insured himself.

Sophon

[Ken]

As above..covers only the people you may injure, not you, and at an unrealistically low level.

Not sure about that. I have had two motorcycle accidents with just the compulsory insurance and in my name. Both times was in the hospital and both times received about 12000 Baht from the insurance. Granted that wasn't much and it did not cover the total cost of my bills. Last year a friend died in a motorcycle crash. He was riding another friends bike which had only the compulsory insurance. The Thai wife of the deceased collected the death benefit, which I think was 200,000 Baht (not sure about that amount).

[topt]

As above..covers only the people you may injure, not you, and at an unrealistically low level.

So how come someone I know was able to claim on his compulsory mc insurance for about 16-19k when he turned his ankle over (near where his bike was parked apparently..... ) ?

Agree at the levels but there was also a thread about this and someone else I think reported claiming successfully?

Some people get lucky sometimes.

Somewhat trite answer and pretty much disproved by the subsequent observations/experiences..........

Even in Tywais translated passages "victim" could be the driver.

[stevenl]

As above..covers only the people you may injure, not you, and at an unrealistically low level.

So how come someone I know was able to claim on his compulsory mc insurance for about 16-19k when he turned his ankle over (near where his bike was parked apparently..... ) ?

Agree at the levels but there was also a thread about this and someone else I think reported claiming successfully?

Some people get lucky sometimes.

Somewhat trite answer and pretty much disproved by the subsequent observations/experiences..........

Even in Tywais translated passages "victim" could be the driver.

Not a trite answer, but the quoted policy has proven that also the driver of the insured vehicle has coverage.

[GuyL]

So how come someone I know was able to claim on his compulsory mc insurance for about 16-19k when he turned his ankle over (near where his bike was parked apparently..... ) ?

Agree at the levels but there was also a thread about this and someone else I think reported claiming successfully?

Some people get lucky sometimes.

Somewhat trite answer and pretty much disproved by the subsequent observations/experiences..........

Even in Tywais translated passages "victim" could be the driver.

Not a trite answer, but the quoted policy has proven that also the driver of the insured vehicle has coverage.

Yes, the driver is covered as well.

At least, I am pretty sure that it was the case 8 years ago when my wife had an accident alone (she fell off her motorbike on a slippery road).

Her expenses at the provincial public hospital were then covered at least up to 150000 baht (maybe those were covered under the "preliminary damage" scheme, but the total bill amounted just slightly over 15000 baht, so, I can't say if she was covered for a higher amount or not then), by the compulsory government insurance of her motorbike.

[Khunangkaro]

If YOU are at fault, or no other one is legally liable, YOUR insurance will compensate.

.

[SOTIRIOS]

....makes one wonder about the omission of this detail in countless incidents we have read about...involving foreigners....

[Mudcrab]

30 baht scheme didn't cover the wifes 2 sons in a recent motorbike crash. Out of pocket in the 10s of thousands of baht.

[stevenl]

30 baht scheme didn't cover the wifes 2 sons in a recent motorbike crash. Out of pocket in the 10s of thousands of baht.

Compulsory motorbike insurance should cover that.

[FracturedRabbit]

I wrote off my car and broke my back. Hospital bill was 130k.

First class insurance paid 100k.

Compulsory insurance paid 15k

BUPA paid 15k.