The Golden Triangle Rider

tu02 · Pedestrian Joined: 04 Jun 2007 Posts: 7 Location: Thailand

TRAVEL / ACCIDENT INSURANCE
DavidFl Wrote:

Notes:
• AXA health does not have SOS.
• BUPA Travel and THI Journey Health cover only medical needs when traveling.
If you still want travel / accident insurance, list your preference if you have a quote / info from Tony.

tu02 · Pedestrian Joined: 04 Jun 2007 Posts: 7 Location: Thailand

TRAVEL / ACCIDENT INSURANCE
DavidFl Wrote:
Notes:
• AXA health does not have SOS.
• BUPA Travel and THI Journey Health cover only medical needs when traveling.
If you still want travel / accident insurance, list your preference if you have a quote / info from Tony.
____________________________________

International SOS usually is it's own agent as it is not in the same catagory as Thai insurance Companies.

http://www.internationalsos.com/en/index.htm?CFID=13547563&CFTOKEN=31728518
(Main URL, get Country-specific info here)

http://www.internationalsos.com/en/asiapacificregion_thailand.htm (Thailand BKK)
Office information - Bangkok
International SOS Services (Thailand) Limited
93/1 GPF Witthayu Towers, Tower B
11th Floor, Wireless Road
Lumpini, Pathumwan
Bangkok, Thailand 10330 Thailand

Admin Tel: 662 205 7755
Admin Fax: 662 256 6340

I have email address and Tel # of Bangkok staff and BKK medical Director if anyone has need for it.

Bernie

PICO-PICO · Posted: 01.09.2007, 21:01 Post subject:

To share some of my conclusions=
1. for my Thai lady ( 32 ) I will get health insurance through Tony.
ThaiVisa deals with Expats only.

Here it would be benefitial to get her into group,

David said the group premium will be the same for all group members.

Does that mean the average age has no relevance ? Hard to imagine.

I believe if there is a group of young Thai friends the premium will be different from that of the average age of a farang group.

If Tony confirms this, it would make sense to form a Thai group.

tonydabbs · Cyclist Joined: 10 Aug 2007 Posts: 16

<blockquote id="quote">quote:<hr height="1" noshade id="quote">Originally posted by cdrw
 ..."Group insurance is cheaper than personal insurance...as long as they are under age 60 when they enroll."

Sigh! I guess the best I can get is accident insurance as I evidently will be considered a 'geriatric' (or old fart, geezer, etc.) as I reach
65 y/o tomorrow. Now should I buy an _aluminum walker_ (is there an offroad version?)...and will they insure it...[8D]

BTW...I requested health & accident insurance quotes from ThaiVisa,
and the reply indicated for me to just go to the AA-Insurance office for quotations, as I reside in Pattaya.
<hr height="1" noshade id="quote"></blockquote id="quote">

If you had asked for a quote from e-insurethailand.com, and had given us your age, we would have given you a quote comparison from all of the health insurance companies in Thailand (but not group ins.)., and sent it to you by e-mail. Whoops. Just saw your age, cdrw. Happy Birthday! There are 3 Thai based insurance companies that will insure you at age 65. Tony

tonydabbs · Cyclist Joined: 10 Aug 2007 Posts: 16

<blockquote id="quote">quote:<hr height="1" noshade id="quote">Originally posted by tu02
 TRAVEL / ACCIDENT INSURANCE
DavidFl Wrote:
Notes:
• AXA health does not have SOS.
• BUPA Travel and THI Journey Health cover only medical needs when traveling.
If you still want travel / accident insurance, list your preference if you have a quote / info from Tony.
______________________________________________________________________

International SOS usually is it's own agent as it is not in the same catagory as Thai insurance Companies.

http://www.internationalsos.com/en/index.htm?CFID=13547563&CFTOKEN=31728518
(Main URL, get Country-specific info here)

http://www.internationalsos.com/en/asiapacificregion_thailand.htm (Thailand BKK)
Office information - Bangkok
International SOS Services (Thailand) Limited
93/1 GPF Witthayu Towers, Tower B
11th Floor, Wireless Road
Lumpini, Pathumwan
Bangkok, Thailand 10330 Thailand

Admin Tel: 662 205 7755
Admin Fax: 662 256 6340

I have email address and Tel # of Bangkok staff and BKK medical Director if anyone has need for it.

Bernie
<hr height="1" noshade id="quote"></blockquote id="quote">
Bernie, e-insurethailand.com are agents for SOS in Thailand. You can also contact SOS International through our website and buy travel insurance. You can buy annual SOS membership on our website that will allow you to be medical evacuated to any country of your choice - and also allow you to receive medical support by telephone (answer questions, advise) 24 hours a day. The cost is about 15,000 baht per year. Tony

tonydabbs · Cyclist Joined: 10 Aug 2007 Posts: 16

<blockquote id="quote">quote:<hr height="1" noshade id="quote">Originally posted by PICO-PICO
 
To share some of my conclusions=
1. for my Thai lady ( 32 ) I will get health insurance through Tony.
ThaiVisa deals with Expats only.

Here it would be benefitial to get her into group,

David said the group premium will be the same for all group members.

Does that mean the average age has no relevance ? Hard to imagine.

I believe if there is a group of young Thai friends the premium will be different from that of the average age of a farang group.

If Tony confirms this, it would make sense to form a Thai group.

<hr height="1" noshade id="quote"></blockquote id="quote">
David is right. But, Pico, you have a good point. The group is not automatically approved. THI will look at the make up of the group before approving the group. There should be a bit of a spread in ages. If the group is completely made up of expats over age 55, there might be a problem. Family members can join also, as long we first have 5 regular members. If family members join, that could bring more balance to the age-range of the group. For now, let's just think positive and see what happens. Anyone who is interested should let David know. Let's see what kind of group we can come up with. Tony

PICO-PICO · Posted: 02.09.2007, 00:14 Post subject:

Tony I am thinking very positive, for your business !

I imagine there some guys out there who also feel responsible for their Thai partners, who are not in the legeal sense FAMILY members !

For them to have a seperate group , not part of the odler biker group, may make a lot of sense.
I am not trying to rejuvenate the biker group.

tonydabbs · Cyclist Joined: 10 Aug 2007 Posts: 16

<blockquote id="quote">quote:<hr height="1" noshade id="quote">Originally posted by PICO-PICO
 Tony I am thinking very positive, for your business !

I imagine there some guys out there who also feel responsible for their Thai partners, who are not in the legeal sense FAMILY members !

For them to have a seperate group , not part of the odler biker group, may make a lot of sense.
I am not trying to rejuvenate the biker group.

<hr height="1" noshade id="quote"></blockquote id="quote">

Thanks, Pico. Thai partners who are not legally married are acceptable, though. A separate Thai group might be possible, also. First, let's gather together what we have and take a look at it. Tony

tu02 · Pedestrian Joined: 04 Jun 2007 Posts: 7 Location: Thailand

TontDabbs wrote:

Bernie, e-insurethailand.com are agents for SOS in Thailand. You can also contact SOS International through our website and buy travel insurance. You can buy annual SOS membership on our website that will allow you to be medical evacuated to any country of your choice - and also allow you to receive medical support by telephone (answer questions, advise) 24 hours a day. The cost is about 15,000 baht per year. Tony

____________________________________________________________________________________

Sorry Tony, didn't mean to cut you out - just to give a reason why AXA might not include SOS. In my previous post, I just described how I cover myself. Tried to say I was not recommending my package. Only gave a recommendation for SOS for the services you described. I didn't realise they used agents. Sorry again.

Bernie

scotty007 · Biker Joined: 23 Feb 2004 Posts: 51 Location: Saudi Arabia

The THI3000 is the one for me![ Smile

]

THE SOS REPAT IS ESSENTIAL IN MY OPINION, I have a friend who fell over in the bathroom in Koh Samui, and sustained very bad swelling of the brain, the ICU costs became very high, until his family at great expense had him airliftrd to the UK, where is still in a coma! No insurance!

I would take the 3rd party with bail bond but already have 1st class insurance for my bike.

PICO-PICO · Posted: 05.09.2007, 07:54 Post subject:

@Tony
1. on SOS repatriation, small print question =
under these Thai policies home is defined as ......??
Would have the insurance really have paid the SOS REPAT for scotty007 friend to ENGLAND, i.e. his home country ?? Is it not, when we travel abroad we are being re-imported so to speak?

2. in your “real coverage” rating of the benefits of each plan your approach is =
QUOTE
In determining “real coverage” we focused entirely on the amount of Hospital General Expense coverage the plan provided, along with the amount of Surgery coverage it offered. Then we figured in any supplemental coverage that might expand the Hospital General Expense and Surgery coverage of the plan. The total we came up with determined our coverage rating for each plan. Hospital Room and Board coverage was not figured in, but was taken into consideration in our placement of the plans.

Explanation of Terms
1. Room Charge
a) Room & Board & Nursing Service +Service Charge. If your insurance policy pays a fixed amount for the hospital room, make sure that the hospital quotes you the full cost of the room, not just the room itself, when shopping for a hospital that fits your coverage.
b). Intensive Care Unit (ICU). This is an upgraded hospital room for patients with serious medical needs. You are charged for the usage of only one room at a time.

2. Hospital General Expenses. This includes just about every little thing you need for treatment in the hospital, including drugs, medicines, blood plasma, dressings, x-ray, laboratory tests, etc
UNQUOTE

It seems General expenses are heavily over weighted against room and board. What rational is behind your approach ? Without better knowledge I would go for 100% coverage room & board.

Pico

Davidfl · Posted: 06.09.2007, 01:19 Post subject:

Please, come all you guys who indicated an interest in setting up this group insurance.

I think that the bulk of the work has been done & the info disseminated.

We now need to form the group (a minimum of 5 people) & agree on what medical policy is good enough. It does not have to be just one policy, but can be two.

Two of us (myself, Davidfl & Scotty007) have agreed on THI3000 as being acceptable.

We only need 3 more, so what about the rest of you
• The SEOGuy
• Gus
• Raoul
• Frankc
who indicated that you want medical insurance?
Also
• Pikey
• Mark Rossi
• Gypsy Rider
• Johnadda
have said to me that you want to do something & join in.

If you are unclear on what is available or don’t have a personal quote yet, then please contact Tony gt-rider.insure@e-insurethailand.com for a personal quote, spreadsheet & 28 point explanation.
Tony has cleverly given us our own GT Rider insurance email to group us together & quickly resolve any issues that we may have.

There are 10 guys
• The SEOGuy wants (1) 3rd party motorcycle with bail bond, (2) Medical & (3) Travel / accident.
• Gus wants (1) 3rd party with bail bond, (2) medical, (3) travel /accident
• Raoul wants (1) 3rd party with bail bond, (2) medical, (3) travel / accident
• Frankc wants (1) 3rd party with bail bond, (2) medical & (3) travel / accident
• Monsterman wants (1) comprehensive bail bond (2) accident, (3) medical if possible
• Rd John wants (1) 3rd party with bail bond & (2) travel / accident
• Danidin wants (1) 3rd party with bail bond
• Ray23 wants (1) 3rd party with bail bond
• Paolobkk wants (1) 3rd party with bail bond & (2) travel/ accident
• Capt Slash wants (1) comprehensive motorcycle insurance
• Pico wants (1) something in English.
Plus
• Pikey
• Mark Rossi
• Jean Mark
• John Nash
Who claim to want something - medical, 3rd party with bail bond, &/or travel.

Let’s try not to lose the momentum, but wrap up a GT Rider group insurance deal.

Please list your preferred medical insurance policy &/or contact Tony direct at
gt-rider.insure@e-insurethailand.com
if you are still unclear about something.

tropicaljohno · Posted: 06.09.2007, 01:31 Post subject:

David, can you put me down for:

Bike 3rd party with bail bond

Health Medical Group

The SEO Guy · Posted: 06.09.2007, 02:16 Post subject:

sorry about slow response - been flat out... the TH 13000 is good for me. 3rd party and bail bond... Its not disinterest, its pressure of work Smile

Rhodie · Posted: 06.09.2007, 02:20 Post subject:

David

Include me in for fully comp + bail/medic/travel.
My policies [2 bikes] comes up in Mar/Apr next year.
Well done for pursuing this.

GypsyRider · Posted: 06.09.2007, 06:09 Post subject:

Hi David,
As I've told you last Sunday, I'm definitely interested in joining a group insurance scheme for bike 3rd party with bail bond as well as medical (incl. for the wife and kids). But you thought that Tony would not provide insurance for unregistered bikes. Maybe Tony could clarify his position on this issue, as I am surely not the only one riding an unregistered bike up here in the north. In the past my unregistered DR250 was insured by Zurich (upon recommendation by Joe, who had his rental fleet insured by them). However, Zurich is no longer around in CNX, as they seem to have been acquired by SriThai Ins. Co. (if I remember correctly). If I can't get cover for the unregistered bikes, I'd still be interested in the medical insurance. I'll email my details to Tony for a quote.
Thank you for taking this initiative.
cheers,
JM

PICO-PICO · Posted: 06.09.2007, 18:30 Post subject:

I want 3rd party motorcycle with bail bond.

pikey · Posted: 06.09.2007, 21:32 Post subject:

David,

Sorry for the delay - put me down for the THI WH 3000 plan and after we have that one sorted out then from reading this thread it seems like we could investigate forming a "partner & child" group with Tony.

Cheers,

Pikey.

tonydabbs · Cyclist Joined: 10 Aug 2007 Posts: 16

<blockquote id="quote">quote:<hr height="1" noshade id="quote">Originally posted by PICO-PICO
 @Tony
1. on SOS repatriation, small print question =
under these Thai policies home is defined as ......??
Would have the insurance really have paid the SOS REPAT for scotty007 friend to ENGLAND, i.e. his home country ?? Is it not, when we travel abroad we are being re-imported so to speak? <hr height="1" noshade id="quote"></blockquote id="quote">

You are right Pico. When you purchase any health insurance in Thailand you are purchasing it as a resident of Thailand. Therefore, SOS will repatriate you back to Thailand.

That is good enough for most of us, but for those with good government health schemes back in their home country, it's not.

That's why we offer Personal SOS annual renewable membership on our website. Those wanting to be assured of being returned to their home country or the country of their choice in a medical emergency can purchase SOS membership through us for 15,500 baht per year. This is cheaper than it would cost to purchase it through the International SOS website.

tonydabbs · Cyclist Joined: 10 Aug 2007 Posts: 16

<blockquote id="quote">quote:<hr height="1" noshade id="quote">Originally posted by PICO-PICO
 @Tony
1. on SOS repatriation, small print question =
under these Thai policies home is defined as ......??
Would have the insurance really have paid the SOS REPAT for scotty007 friend to ENGLAND, i.e. his home country ?? Is it not, when we travel abroad we are being re-imported so to speak?

2. in your “real coverage” rating of the benefits of each plan your approach is =
QUOTE
In determining “real coverage” we focused entirely on the amount of Hospital General Expense coverage the plan provided, along with the amount of Surgery coverage it offered. Then we figured in any supplemental coverage that might expand the Hospital General Expense and Surgery coverage of the plan. The total we came up with determined our coverage rating for each plan. Hospital Room and Board coverage was not figured in, but was taken into consideration in our placement of the plans.

Explanation of Terms
1. Room Charge
a) Room & Board & Nursing Service +Service Charge. If your insurance policy pays a fixed amount for the hospital room, make sure that the hospital quotes you the full cost of the room, not just the room itself, when shopping for a hospital that fits your coverage.
b). Intensive Care Unit (ICU). This is an upgraded hospital room for patients with serious medical needs. You are charged for the usage of only one room at a time.

2. Hospital General Expenses. This includes just about every little thing you need for treatment in the hospital, including drugs, medicines, blood plasma, dressings, x-ray, laboratory tests, etc
UNQUOTE

It seems General expenses are heavily over weighted against room and board. What rational is behind your approach ? Without better knowledge I would go for 100% coverage room & board.

Pico

<hr height="1" noshade id="quote"></blockquote id="quote">

Because room and board is a fixed daily expense. General hospital expenses aren't. They are not predicable and can eat up a lot of money in one day. I also mentioned that room and board is factored in also, but only after everything else.

tonydabbs · Cyclist Joined: 10 Aug 2007 Posts: 16

<blockquote id="quote">quote:<hr height="1" noshade id="quote">Originally posted by GypsyRider
 Hi David,
As I've told you last Sunday, I'm definitely interested in joining a group insurance scheme for bike 3rd party with bail bond as well as medical (incl. for the wife and kids). But you thought that Tony would not provide insurance for unregistered bikes. Maybe Tony could clarify his position on this issue, as I am surely not the only one riding an unregistered bike up here in the north. In the past my unregistered DR250 was insured by Zurich (upon recommendation by Joe, who had his rental fleet insured by them). However, Zurich is no longer around in CNX, as they seem to have been acquired by SriThai Ins. Co. (if I remember correctly). If I can't get cover for the unregistered bikes, I'd still be interested in the medical insurance. I'll email my details to Tony for a quote.
Thank you for taking this initiative.
cheers,
JM
<hr height="1" noshade id="quote"></blockquote id="quote">

I have checked with ThaiSri insurance they say absolutely, "No!" There seems to be something missing in the information that you are providing. Driving an unregistered motorbike is illegal in Thailand. I'm not saying that doing so will get you in any serious trouble. But, still, it is illegal and insurance companies don't knowingly insure illegal activities. Would you please e-mail me a copy of the main coverage page to gt-rider.insure@e-insurethailand.com ?
Thanks JM

GypsyRider · Posted: 20.09.2007, 06:03 Post subject:

<blockquote id="quote">quote:<hr height="1" noshade id="quote">Originally posted by tonydabbs
I have checked with ThaiSri insurance they say absolutely, "No!" There seems to be something missing in the information that you are providing. Driving an unregistered motorbike is illegal in Thailand. I'm not saying that doing so will get you in any serious trouble. But, still, it is illegal and insurance companies don't knowingly insure illegal activities. Would you please e-mail me a copy of the main coverage page to gt-rider.insure@e-insurethailand.com ?
Thanks JM
<hr height="1" noshade id="quote"></blockquote id="quote">

I'll dig through my filing cabinet to see if there is still a copy somewhere of the Zurich policy I had for my unregistered bike at the time. But since I've sold the bike quite a while ago, chances are the policy file has been shredded, especially since I've moved house meanwhile, and prior to moving I have cleaned out the filing cabinet. I'll email the main coverage page in case I retrieve a copy from my archives.

I agree that from an insurer's perspective it is illogical to write insurance for an unregistered vehicle, as it is illegal to take it on the road. However, up here in the north of Thailand there are scores of unregistered motorcycles that display the obligatory insurance sticker. Which means that there are insurance companies in Thailand that, knowingly, write insurance for unregistered bikes. Whether these same insurance companies will accept or refuse any claims resulting from accidents involving an unregistered motorcycle is another question. Does any GT-R member have knowledge of an insured but unregistered bike involved in an accident? If yes, did the insurance company accept the claim or refuse it on the grounds of non-compliance due to lack of registration?

Perhaps Pikey, as co-owner of a rental fleet of unregistered motorcycles, can enlighten us on which insurance company has issued insurance for his rental fleet and if there is any reference in the policy regarding the issue of registration or lack thereof and its repercussions for coverage. (FYI, and to avoid casting an unfavorable light on Pikey and Joe's business, most if not all rental bike fleets in Chiang Mai are made up of unregistered bikes).

If there are any other GT-R members who have obtained insurance coverage for their unregistered bikes, please post which company has issued insurance for your unregistered bike and/or send a copy of the main coverage page to Tony. This would help Tony to establish the validity of these policies in offering coverage for unregistered bikes, and would eventually enable him to decide which companies to approach for writing a 3rd party group policy.

GypsyRider · Posted: 20.09.2007, 16:14 Post subject:

<blockquote id="quote">quote:<hr height="1" noshade id="quote">Originally posted by GypsyRider
If there are any other GT-R members who have obtained insurance coverage for their unregistered bikes, please post which company has issued insurance for your unregistered bike and/or send a copy of the main coverage page to Tony.
<hr height="1" noshade id="quote"></blockquote id="quote">

I have already received a reply to the above request from a GT-R member who was involved in an accident with an unregistered bike and whose insurance company accepted the 3rd party claim for medical expenses, although the police report stated that the bike was not registered. The company even paid out follow up expenses to the 3rd party some years later, as the total amount was still within the Bht50K limit of the compulsory insurance. The company was 'Virayah Insurance'. If the member agrees, I'll post his story in this thread.

Tony, this first-hand experience confirms that there are insurance companies that do insure unregistered bikes and even accept claims in the case of accidents with these bikes.

Davidfl · Posted: 20.09.2007, 21:08 Post subject:

<blockquote id="quote">quote:<hr height="1" noshade id="quote">Originally posted by GypsyRider
I have already received a reply to the above request from a GT-R member who was involved in an accident with an unregistered bike and whose insurance company accepted the 3rd party claim for medical expenses, although the police report stated that the bike was not registered. The company even paid out follow up expenses to the 3rd party some years later, as the total amount was still within the Bht50K limit of the compulsory insurance. The company was 'Virayah Insurance'. If the member agrees, I'll post his story in this thread.
<hr height="1" noshade id="quote"></blockquote id="quote">

Gypsyrider
Thanks for the tip-off. It seems to confirm what some of us suspect / know in Chiang Mai.
But the GT Rider who claims to have first hand experience should post the info himself, otherwise it is still only hearsay.
If he's lurking on the board, has a copy of his policy, can he scan & email it to Tony
gt-rider.insure@e-insurethailand.com
as a service to us all, please.

Davidfl · Posted: 24.09.2007, 08:44 Post subject:

INSURANCE UPDATE
The group application form has been sent in.

The medical policy selected is THI W3000 with SOS + 600,000 baht medical coverage a year.
There will be an option for either IN Patient only or both IN & OUT Patient treatment.

Committed members now are
1. David Unkovich
2. Scotty 007 Stephen Mackenzie
3. Pikey Jeff Pike
4. Tropical John Hamilton
5. SEO Guy Ben Kemp
6. Rhodie John Gunston
7. Gypsy Rider Jan Marc

Tony will email confirmed members copies of a health application form to complete.
You are required to complete & return this along with a copy of your passport to Tony.

If you have any questions / queries, email Tony
gt-rider.insure@e-insurethailand.com

Unconfirmed still are
1. John Nash
2. David Curtis
3. Mark Rossi
4. Gus
5. Raoul
6. Frankc

BIKE INSURANCE / 3RD PARTY / BAIL BOND
• 150,000 baht for injury to 3rd party.
• 200,000 baht for death or dismemberment of a 3rd party.
• 15,000,000 total maximum for treatment and death and dismemberment of many 3rd parties in one accident.
• 200,000 baht for 3rd party property damage per accident.
• 50,000 baht for accidental death and dismemberment for the driver (but not treatment).
• 200,000 baht bail bond per occurrence

13 guys claim to want this
• Capt Slash: comprehensive motorcycle insurance
• Danidin: 3rd party with bail bond
• David Unkovich: 3rd party with bail bond
• Frankc: 3rd party with bail bond
• Gus: 3rd party with bail bond
• Monsterman: comprehensive with bail bond
• Paolobkk: 3rd party with bail bond
• Pico: 3rd party with bail bond
• Raoul: 3rd party with bail bond
• Ray23: 3rd party with bail bond
• Scotty: comprehensive motorcycle insurance
• SEOGuy: 3rd party motorcycle with bail bond
• Tropical John: 3rd party with bail bond

To set this up all you need do now is email Tony
gt-rider.insure@e-insurethailand.com
send him a copy of your bike rego ownership book, plus the owners ID = passport / ID Card.