Monique *********
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Monique *********
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Monique **********
Yes, there are so many companies and each one is different. I have been on a basic Thai Bupa insurance. One of the only ones that covers bikes but at a premium. Going to upgrade to a more expensive one. It is a lot more than you are paying though. Can't imagine it covers a lot. Ask the company and ask your local hospital the cost of a night. That is how I chose. Good luck.