ACCIDENT In Thailand 🇹🇭 How Will I Pay For This ?
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- Опубликовано: 5 май 2022
- Serious topic in today's video about getting sick or having an accident in Thailand. I chat with my friend Pat who recently had a motorbike accident in Phuket Thailand and had no health insurance to cover the cost.
Plus i talk about my quotes for private health insurance here in Thailand that i now know and strongly advice everyone that is staying for an extended period should have.
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First interview video with Pat 1 year ago: • MOVING TO THAILAND (Q&...
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Thanks Pat get well soon buddy 👍 let’s all send Pat some love ❤️ in the comments 😁
Another video coming very soon it’s almost ready now ✌️ cheers R&M 🙏
Everything looking good
Everything looking good out here with the tourist
I had a motorbike accident in Thailand in 2006 and broke my shoulder and spent 3 days in hospital, about B 100,000. Its worth checking the motorbike insurance as they picked up some of my bill. Most travel insurance policies exclude riding motorcycles so worth checking. If you ride a motorbike in Thailand its inevitable that you will have an accident at some point. I now always drive a car, its not worth the risk riding a motorcycle in Thailand.
Hope Pat feels better! Sending positive thoughts & healing energy his way😊 Thanks for sharing this video Ritchie! Love the vlog!
Glad to here Pat’s recovery is going well! Best wishes.
Thanks R&M!
Thank you for sharing ! Enjoy Richie , stay healthy please ....
Yes you definitely need in patient insurance.
Great attitude Pat. Hope you have a speedy recovery and everything works out. 🙏👍
I miss Pat's youtube channel... all the best to you Pat. Get well soon... and I hope everything works out for you.
Likewise I really enjoyed Pat's channel.
I was in a car wreck as a passenger last year in Costa Rica and it cost me 10K and they weren’t letting me leave until it was paid. I’ll never travel without insurance again but I’ve always learned the hard way. Good luck to Pat!
Great video Richie, best well wishes for pat, I'll be in Thailand in a couple of months so will be dropping in for a coffee and breakfast
So glad Pat is still knocking about over there.I was gutted when his channel vanished,the scooter rides were just epic.Hopefully he's still there when I go to Pattaya at the end of June,if so I'll take a trip down and drag his sorry ass out around Kata.R+M,superb as always 💗
give pat my best wishes keep up the good work mate see you all soon
Thanks for being so honest …all handy to know,
Excellent information!
Another great vlog Richie and Maybelle take care see you soon
Informative good job hope he recovers quickly
yeah we was a bit worried for ol' Pat after that first interview back when...great to see him now...and wow what a transformation....good on him...
Good luck to pat 😘 hope he recovers quickly
Hey Richie and maybelle thanks for another very informative vlog 😉really sorry for pat one he broke his leg (get well soon mate😉) and 2 he is leaving Thailand albeit not for long if pat can help it 🤣thanks again guys 😁
Get well soon! Missed your videos!!🙂🙂
Speedy recovery Pat 🙏 I watched all of his vids and was wondering what happened to him.
Pat, best wiishes for a speedy recovery from your accident.
Great video thanks for share 😀❤️👍
Wow richie its amazing pat is a total different person to the pat you interviewed 12 months ago you can see how his spirit has lifted and he is enjoying life again thailand is a magical place it truly does soothes the soul
very much the polar opposite story for the other bloke he interviewed that same day... bipolar will have that affect on most people who come to Thailand trying to survive on pittance or make a living with little or no knowledge of how things work in this country.
@@gerardwise67 yes every man's story is different
A health insurance from Pacific Cross do not cover a motorbike accident.
You also need an accident insurance.
Really enjoyed Pat's vlog videos. Funny dude.
Hope he is well soon. I just had an accident myself and dealing with it. Hopefully heal soon and not as bad as Pat for sure. God bless
Dang. That's expensive. I (my g) had a child at a private hospital in Chaing Mai (Ram) 6 months ago and it was 80,000 baht. 3 nights, around the clock care, child classes, baby food, food for mom....I though they provided great care.
You are a good man Richie, everything will be ok in the end, if it is not ok it is not the end
Great quality visuals Richie. Makes the vlog stand out. What camera do you use?
Good see your still in 1 piece pat all the best 👍
Wishing Pat well, I’m an Aussie and when I was living in the UK I was 45 and my Girlfriend had moved into an old cottage after I came back to Oz to work for 10 weeks as it was during the GFC, I missed my footing on the narrow Victorian stairs and broke my Ankle snapped the Fibula in half, luckily Oz and UK have a reciprocal agreement with free healthcare cos I needed an ambulance, the care I received was top notch. I managed to break my other Ankle same break same spot at 55 in 2020 living out in the bush in Australia slipped on some ice on my deck middle of the night, I knew I had broken my right ankle but after crawling back inside and the tried to walk it off, finally conceded that I had to call an ambulance, spent 7 nights in hospital after surgery, cost me $60 for the moonboot 2 weeks after surgery, but I needed to hire a mobility scooter to get around my property and to walk my dog as I couldn’t drive as it was my right Ankle and my driveway is all quartz rock, no way I could use crutches on that and I’m a few hundred metres from neighbours places, had a free local service deliver my groceries twice a week, as I’m 20kms from town, though the major hospital was 45 mins away. Still have to get the metal plate out and screws as my body doesn’t like it, but Covid took off here middle of last year so I just missed out on the surgery as it’s non urgent, but it’s ok had to buy a different car as my Ute(pick up) couldn’t get a comfortable accelerator foot position anymore but the new/old car is great. I will always travel with insurance now which I have when I traveled in S.E Asia and the US of course, but it feels different when you move somewhere. I used to ride bikes in Australia but I gave it up as when I lived in the city people were trying to kill me all the time on the way to work, so as tempting as it is in Thailand I have never ridden a scooter there, as it’s everyone else who you have to look out for and I don’t bounce as much as when I was younger.
I remember that interview.. thinking he believed his financial situation was enough to see him through....now this ffs.. hey.. he seems like a nice bloke... something delicate here.. I hope he stays happy.
Thanks Pat and Richie for this story. The Thais say you dont want to use the cheaper hospital but it was good care just no ac. Will get the insurance.
Getting up in the middle of the night to Vlog, Awesome, lovin the body language and all the best to Pat, oh yes, What do you get if you lay under a Cow? A Pat on the head, all the best buddy
From all the Thailand videos I've watched I've discovered your chance of serious injury falls by 90% if you don't ride a scooter while you're there
Yes, live in Phuket. Would never ride a scooter/mcycle here. Wife has a house in Trang. The exact opposite there. Miles and miles of excellent open road, no cars.
@@mrbruce7204 hopefully no dogs are jumping out in front of you 😁
In reality depending on ones lifestyle it's more like 99%
I think in the small village in the rural areas its maybe ok but to do it in the bigger cities isn't that good, that's why i not understand why there is so many scooters in bkk, the transport system there is so great....
Stay safe
Rak Thais RAk Thailand samer
Oh y go to kata beach, well i understand you its nice there when there is not to many tourist
Stay safe
Rak Thais RAk Thailand samer
Nice content and beautiful place 😉👍
Get well soon pat take care see you soon I've missed the RUclips channel
Holiday insurance will be my number one priority when I go to Thailand.... Have to be prepared for the unexpected..... Hope pat makes a speedy recovery...
yep.. so many don't.. imagine a family member having to sell everything to support your misfortune...
Travel insurance is a priority where ever you go !!!
Great edit
Good luck with the rest of your trip in the future. Definitely items get Health Insurance in Tland. Pacific Cross the best.😊
He did well to last 9 months on that motorbike. I used to close my eyes while watching him ride around the roads in Phuket. Good luck to him.
Says a lot !!
Not only that but recording video at the same time- how can you not have an accident?
Ah Pat......he's a top fellow.....I remember him arriving in Thailand on your channel a year ago. Thought I haven't heard from him in a while on his channel.
Anyway Pat.....im glad you've had a great year.....I hope everything works out back in the UK and hopefully with planning you'll be back in Thailand again soon sir.
Cheers.
My insurance excluded motorbike accidents, alcohol related accidents and std's, so just about anything you might do in Thailand.
lol
It is not recommended for any foreigner to ride a motorbike in Thailand, this is very high risk. However, if you have to ride a motorbike and you would like to reduce your risk, the most two important things to put into your mind, is the following:
1- Stay with a small scooter, 150 CC max,
2-Keep very speed inside any town or city 30 KM average speed, 40 KM max speed, this is how Thai seniors ride :) outside the town keep your speed below 60 KM, stay alert
If you have an accident, know that every Thai city have a good number of government hospitals and they will treat you without having an insurance, excellent care, you pay but the cost will be a small fraction what a private hospital will charge you. Insurance is one of ills of the modern world, avoid it if you can.
Wow the coffee garden looking great
NIce Video and Richie get your ass in gear and get the insurance quickly, you never know when an accident strikes. I had a similar situation on 30jan 2008, 2 days before moving into our brand new condo in HuaHIn, I fell on the motor bike while sliding on gravel and sand, hit the wrong break, flew over the handle bar and fractured my Humerous bone and twisted 90 degrees, and this was at maybe 5km speed in a corner. Spent 2 days in the hospital which my US Insurance covered, flew back to Michigan and had the surgery, total cost $66K, all covered by insurance besides $2500 deductible. Big Bummer, off work for 5 months, and now with a plate and 10 screws holding my shoulder together, 80% mobility, but able to most things anyway! Next video, show us your receipt for your NEW Health insurance! Be safe and keep vlogging!
Two lovely fellas
stay safe Matt
Everyone needs short, medium, long term goals!
Best wishes to Pat in his recovery.
Do the health insurance plans cover accidents from motor bike use?
No
Good Morning Richie from New York
Pat what a great guy just like you Ritchie
It wasn’t easy to get health insurance for me with a long list of pre existing illnesses but i eventually found one that pays all my bills. Get well soon na krap
Get well soon Pat.
Great video! I arrived in Phuket without insurance. A five-day visit / holiday in Bangkok Hospital cost nearly nearly 200,000Bht. We are now insured with Regency, very good! I am 52 and my wife is 42 and it costs about 80,000Bht per year for both of us. I'm not sure but if I'm not mistaken it is now illegal for a none Thai to live in Thailand without insurance.
Regency is the name of your company?
@@americaninthailand8760 Yes.
@@ianwilde5379 Thanks!
Im an expat living in Thailand a number of years Had bad motorcycle accident in hospital ten days Luckily I took out extra insurance cover which paid for everything pretty sure instead of the normal 200baht a year it was around 1200baht Anyway get well Pat enjoy rest of time in Thailand
You're in a good mood because he didn't wreck one of your bikes 😂 kidding...glad he's ok. Good to see Chalong Pier. Been there many times for dive trips.
good stuff
Pat seams to be a great guy! Improve!
No health insurance and riding a motorbike bike in Thailand probably not the best combination you could choose 🙄
Best wishes for a speedy recovery mate. So Thais take that gamble every day?
A broken leg is a real bummer...been there done that....just now I'm still in doctors care for an accident I had here on the farm....made a video on my channel about it...was using a saw blade on my grinder and my glove got caught and pulled my hand into it...yeah...nearly severed a few fingers...still have metal in one to be removed next month I think...mangled my hand...no insurance...the bill was $284 US...for everything...surgery, one night stay, meds etc....what a deal!
Brother, I watch your channel often. On those flyers make sure you add, one free coconut with any meal purchase.
Don't be cheap with insurance because it will save you in the end. I know it might hurt to spend the money now but the security it gives both of you will be huge for your future
FYI not many people are aware that all motor vehicles have mandatory insurance coverage when the vehicle is registered and road tax paid.
"Compulsory Motor Insurance, also known as “Por Ror Bor” is a mandatory insurance required by law for all motor vehicles within Thailand. According to the Motor Victims Protection Act B.E. 1992, it came into effect on 5 April 1993 by requiring cars, including all types of motorcycles that are registered with the Department of Land Transport, and cars powered by electric engines or other energy to apply this “Compulsory Motor Insurance” to provide insurance coverage for everyone affected by car accidents, regardless of whether the person is a driver, a passenger, or a pedestrian. In the cases that involve a loss of life or body parts or health damage including the deceased person’s heir will also be covered, in the case of death."
It's worthwhile to look into this as you can make a claim though you won't get fully reimbursed as your hospitalization and treatment exceeded the coverage.
Compulsory Motor Insurance
In 1992, the Thai government has passed a law that required all vehicles in the Kingdom of Thailand to have an insurance coverage that covers the medical expense of road victims. The law was implemented in April 5, 1993. If an owner of a vehicle fails to have this insurance, he/she will face a fine of THB 10,000 - 50,000.
Coverage of Compulsory Motor Insurance
The compulsory motor insurance only covers bodily injury of the road victims. The property damage is not included. The coverage is divided as followed:
1. Primary Loss
1.1 If the road victim receives a bodily injury, the insurer is subjected to pay for the actual medical expense of the road victim but not exceeding THB 15,000
1.2 If the road victim has lost his/her life, the insurer is subjected to pay the total of THB 15,000 for person.
1.3 If the road victim has received a medical treatment and lost his/her life at a latter stage, the insurer is subjected to pay accordingly to clause 1.1 and 1.2.
2. Loss that exceeds the primary loss
2.1 The insurer is subjected to pay for the excess amount from the primary loss for a bodily injury case but not more than THB 50,000 per person.
2.2 The insurer is subjected to pay for the excess amount from the primary loss for a loss of life case but not more than THB 80,000 per person.
Summary of the Compulsory Motor Insurance coverage
1. Bodily injury maximum THB 50,000/ person
2. Dismemberment maximum THB 80,000/ person
3. Loss of life maximum THB 80,000/ person
Maximum coverage per case
1. Vehicle with less than 7 seats maximum THB 5,000,000/ case
2. Vehicle with more than 7 seats maximum THB 10,000,000/ case
Note : If it is proven that the driver is at fault, the insurer will only responsible for primary loss coverage only.
you'll need a police report and Hospital records receipt.
Got to be very careful riding bikes here. Hope he makes a quick recovery.
How much did the motorbike rental company charge poor Pat for the damage? Probably more than his medical I imagine...
My health insurance in BKK is 37,000 a year and that is fully covered, in and out patient, I can use any hospital I like, if I stay over night I get 5000B cash back for lose of earns etc.
It's well worth it. I cut my head and the bill was 25,000B. That alone tells you it's worth it.
What company are you using?
@@americaninthailand8760 Allianz
Question: If I'm riding on the back of one of them motorbike taxis out there and the driver of the bike gets into an accident which of course injures me, I'm thinking I will still be held liable to pay every dime of the medical costs and not a single dime will come from the motorbike company. Am I correct with that assessment?
Get well soon Pat.
Just to throw my 2 bucks into the topic....We can all probably agree, if you have a accident in Thailand it will probably be caused by riding a motorbike. This is where you really need to read the fine print of the insurance policy(Travel insurance and Thai expat insurance) because if you don't have a international motorbike license or Thai motorbike license and have any accident on the bike the insurance company may not pay. I think I read that in the AXA accident insurance policy. (Please correct me if I am wrong). It is so easy renting a bike in Thailand the bike dealer does not care if you have insurance or not, he just wants the rent money.
Stay safe everyone, these types of accidents happen all the time and can happen to anyone no matter how safe you think you drive the bike.
I have to let you know, and please let’s pepole know I have used government hospitals for 33years in Thailand great ones you use in private hospitals, I went in for 18 days with sepsis40 thousand baht not so bad still alive,
Best thing he did is go to a local hospital, they're all pretty good in Thailand from my experience and local doctors, think I paid just over 1000thb for tests and medicine only, it was going to cost more if I went to the private hospital with my insurance
I wake up Evy morning with weather like tha but no heat
What visa was he on there to stay the 13 months, I'm thinking of doing a year there myself starting this Xmas
Play the video back rich, listen to your breathing .
He is stressed to the max...a walking heart attack.
Looks a nervy type of guy as he’s shaking a lot, I guess it fits with the past issues he had. Definitely a good idea if riding motorcycles in Thailand to have some sort of accident insurance. I fell off in Koh si Chang, bad cuts and skin scraped, cost me about 500 baht -was lucky.
It is not "IF" but "when".
-- We ALL get sick and the vast majority will have one or more significant accidents.
Hi
Stress y never see before its to late, only after y know how and when it comes, i was there and it was insane or i nearly became insane, i did many crazy things because of that.
Stay safe
Rak Thais RAk Thailand samer
travel insurance is (or should be) mandatory, and always have at least $10,000 USD or more saved up for a emergency
Making it mandatory would be like making it an idiot tax.
Those who know better and need it, simply get it.
If you have no back up funds, 100 baht a day for health insurance sounds a no brainer. Best way is to have 1,000,000 baht saved up and put aside for medical problems before you move to Thailand, and add to it each year you are there, paying yourself is far better than paying an insurance company. £20k - £25k put aside for your long term health, don't think i would be moving there without it. It also makes sure you have funds available later in life, when insurance premiums get very expensive and you might not have the funds available to buy the insurance. Just my thoughts.
Send my regards to Pat, I was in contact with him when he was doing you tube, we had a chat about him if you remember when I was there in Feb. Well I have put a couple of videos on RUclips now finally, I am finding the editing very time consuming nearly finish another and then it will be the one when we came you the coffee garden. I will send you the link! I am not getting much viewing time or subs probably because they are crap LOL. So what new camera did you get?
@Joshua Langley Hi Joshua thanks for your comment and showing an interest, yeah I am using a different account, its Steve-MyLifeExperience be warned its early days for me doing this so not the best! Hopefully will grow with confidence, I am back in the UK now and planning my move to Thailand hopefully next year.
Hi. Which insurance company did you go with in the end? I have just had an accident on a moped and Regency did absolutely nothing, quite happy to leave me in a pool of blood at Mission Hospital the five hours. Totally comp insurance had to pay Bht80,000 myself.
It’s all about making memories. He would have spent the same money easily in the UK, I know where I’d rather be.
I always had Medical Insurance when I stayed for months in Thailand. Never had to use it. Tho I had a Yamaha Scooter, I only rode it in Rural Issan. I never rode it in Big Cities. Too dangerous. The Rule of Thumb in Thailand is that the Ferang is always responsible for an accident, because the Thai Police can extract Baksheesh from the ferang. Thais seldom have spare money to bribe police. So the investigating Police will ask for money almost immediately. I broke my Fibula on my first day skiing. Orthopedic Doctor, not an Osteopath, who i sa glorified massage therapist. 140,000 ThB = $4050 USD. Not a bad price for a fractured lower leg.
Never travell without insurance! Thats rule number 1. If you cannot affort insurance then you cant affort to travell. People say they dont need it but then they find themselfs in hospital with 10000$ bill in their hand.
What island are you on thanks
My wifes krone from here tooth fell out and we paid about 35 pounds for it to be glued in in Hau hin Hospital very cheap and its till there good glue from Thailand
If you want to live in thailand and in rip off areas of the country then thats your choice you must be prepared to pay for that i think your mate has been ripped off and as for the N H S thats nothing to shout about either you still have to pay for meds etc and the sevice is shit i have lived in thailand 12 years 6 pattaya 6 in issan i just had a major op here within 2 days of seeing a doctor in a government hospital 5 days in a private room food provided for my wife all aftercare and meds 43000 baht so 12 years ins at 50k is 600k so i am 557 k better off put money away 100k for these things dont come here on a shoe string if you do its a constant worry which you dont need for a happy life here cant see anybody walking into a n h s hospital and getting that service my mate had a hip replacemdnt in uk they cancelled it 5 times took him a year to get it done also 43 k is the price of a flight back to the u k anyway no brainer
I always took out a ns but I was told Motwr bicke was.not covered
Hi Richie and Maybelle I just wondered if you knew how Pat was getting on. I presume he is back in England, I hope he is doing ok and on the mend
37000 baht for insurance. Is that monthly or yearly? Cheaper to pay out of pocket for services if its monthly
Your breakfast is the best
I was like UI thought because o was fit and healthy but a mojor stroke came out of the blue I would agree with you
Buyer beware, insurance stops in Thailand at the age of 75, my hospital bill totaled £12,000, got a loan on the car, to get out of hospital, I had insurance via my Bank what but I didn't know about the 75 ruling until I tried to get payment.
Seen many accidents in Thailand especially tourist areas fell off Scooter twice dangerous lucky enough wasn't injured
Not all Travel insurance cover the hiring of motorcycles..get yourself covered for whatever you need…it can be an expensive lesson when you add the cost of a wrecked motorcycle.
Check out true traveler yearly travel insurance. Cheap as chips worth every penny. I know from experience they paid up no problem when I had a claim.
Note for Richie. Pacific cross you cannot claim for the first four months on new policies..and some disabilities have a 2 year no claim clause. Read the terms and conditions carefully.
I broke my leg in Austria. Plate and screw and surgery etc. 2200 euros cash.
Just out of interest, was his £14,000 (spent for the whole year) inclusive of the £3,200 hospital bill or was that extra?
Richie, Pacific Cross is a good choice.