What is the best option for obtaining local medical insurance for motorcycle accidents in Thailand?

Question

What is the best option for obtaining local medical insurance?

My biggest concern is making sure I have good quality cover in the event of a motorcycle accident.

Is local insurance even worth it?

What kind of driving license do local insurers require? Is a foreign motorcycle license + IDP acceptable or do they require a local Thai license? Happy to get the latter anyway as the IDP is a pain to carry around.

Ask Thailand · Answer

The discussion centers around the best options for obtaining medical insurance in Thailand, especially in the context of motorcycle accidents. There are differing opinions on the necessity of local insurance versus travel insurance. Some contribute their experiences, highlighting the low coverage provided by mandatory insurance linked to motorbikes. Recommendations include considering travel insurance such as SafetyWing for comprehensive coverage against serious medical expenses. Concerns are also raised about the adequacy and speed of claims with local insurance compared to travel insurance.

Noel ***************** · Answer

Local insurance will pay up a lot quicker  .

Dianne ***** · Answer

A young man from my hometown had a serious  motorbike accident in Koh Samui in 2018, he required   multiple surgeries and ICU care. His bills in 4 days amounted to 54K Australian dollars. The final bill would have been considerably more than this had he not been airlifted back to Australia courtesy of a gofundme organised by his family and friends. Having travel insurance or expat health insurance is considerably less than an amount like this. I would wager that not many people would have this sort of cash lying around to pay those sort of bills upfront

John ********* · Answer

You can get SafetyWing travel insurance for about $38/month.

I have it specifically for motorcycle accidents. I want top quality care should something happen. It could be a relatively affordable surgery at 100,000-200,000฿ or worse case be In ICU. Either way I’m covered.

The mandatory minimum insurance that comes with your bike is two-thirds of fuck all. It’ll cover a scrape or simple fracture.

I’m not looking for trouble but trouble may be looking for me.

Garrett *********** · Answer

Travel insurance really depends on what company you choose. I personally have never taken any out and wouldn't recommend it to most people.

As for local health insurance, in my opinion it's nor worth it. All motorbikes have mandatory minimum insurance which covers a small amount of medical expenses if you're in an accident. Some rental companies offer 3rd party accident insurance with their bikes (I've been offered it once for 100 baht a day). The cost of healthcare is pretty cheap here if you go to a public hospital.

Garrett *********** · Answer

Sharon was removed from the group for advertising. She's been kicked out before, looks like she made a new profile.

What is the best option for obtaining local medical insurance for motorcycle accidents in Thailand?

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