That’s the crux of the matter, if you have extra insurance, that you take out, rather than just the compulsory insurance, which you get when you tax the motorcycle. I am not sure what that says. It’s something I would check.
You had a great experience. Mine, in Hua Hin, is different. One experience and I won’t go into too many details, involved a friend who had a heart attack, that necessitated a stay in ICU for a couple of weeks, if I remember correctly. Initially they wouldn’t even admit him until a person accompanying him handed over 30K THB!
Really? Maybe they thought you were Thai. BKK hospital normally check your insurance, credit rating and anything else they can think of, before they shaft you. Without insurance I wouldn’t go anywhere near a BKK hospital.
Just for your information, given that you are offering advice to people. There is no such thing as an IDL, (International Driving Licence). it’s a called an IDP (International Driving Permit). And legally is only valid if you also produce your country of origin driving licence.