GT Rider Motorcycle / Health Insurance

DavidFL

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Hello David, I entually got my health insurance trough this group. I feel its good value for what you get so I want to thank you for all the work you do on behalf of the members setting this up...Colin

Welcome. We've got look after each other & help out when we can.
Mon @ Cnx Insure is a gem of a lady, plus rides a bike as well. One of us. She can fix most insurance issues if you ask.
[email protected]
 

DavidFL

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A quick update. The GTR Group Health Insurance works for re-entry into Thailand, where they currently require covid-19 insurance coverage to enter the country.
I will post a copy of the coverage certificate once I get mine in a few days.

1653647681417.png
 

Ughetto

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Thank you I will contact soon
for my re entry in Thailand.
I will say GT rider let me know about this insurance.
 

DavidFL

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Big Bike Insurance

Working my way through the aftermath of the accident - insurance, bills and recovery.



The 3rd party bike insurance I had with Thai Sri covered me for 200,000 baht damages to the other vehicle.
Negotiations were completed today at the CK police station & Thai Sri has agreed to pay out. The final definitive cost has yet to be decide, but is hovering on 200,000 baht. Anymore than this and it is my bill.
So time for a bike insurance upgrade I thought.
With the most options & very competitve prices, the Roojai broker would seem to be the way to go.



Compulsory Motorcycle Insurance in Thailand

Compulsory Motorcycle Insurance, also known as “Por Ror Bor” is mandatory insurance required by law for all motor vehicles within Thailand. This is to provide insurance coverage for everyone affected by motorcycle 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.

Basic Por Ror Bor Insurance coverage

If there is an accident, the driver can claim compensation if injured, but will not cover the motorcycle damage. The details are as followings:

Death, loss of vital organ, and permanent disability = up to ฿35,000
Medical expenses = up to ฿30,000

Coverage by which the driver is not at fault

Compensation can be claimed as following details:

Death and permanent disability = up to ฿300,000
Medical expenses = up to ฿80,000
Daily compensation = ฿200 per day (up to 20 days) up to ฿4,000
Loss of 2 body parts = ฿300,000 / loss of 1 body part = ฿250,000 / loss of a finger or more = ฿200,000

To upgrade, these are the options.


Voluntary Motorcycle Insurance

Voluntary motorcycle insurance in Thailand is optional insurance, not required by Thai law. Depending on the coverage type, it may cover damage to the insured vehicle whether the driver is at fault or not, damage to third party vehicle if the driver of the insured vehicle is at fault, liability for injuries resulting from a motorcycle accident where the driver is at fault, loss of or damage to the vehicle through theft, fire or natural disaster. Voluntary motorcycle insurance is divided into 5 categories as followings:

Type 1
Comprehensive Big Bike insurance, which covers damage to the insured vehicle regardless of fault in case of accident, fire, theft, or natural disaster as well as liability to third parties (property damage and bodily injury) when the driver is at fault.

Type 2
Covers damage to the insured vehicle only in case of fire and theft and covers liability to third parties (property damage and bodily injury) when the driver is at fault.

Type 2+
Covers damage to the insured vehicle regardless of fault provided another identified vehicle has been involved in the accident as well as damage caused by fire, theft, or flood. It also covers liability to third parties (property damage and bodily injury) when the driver is at fault.

Type 3
Only covers the liability to third parties (property damage and bodily injury) when the driver is at fault.

Type 3+
Covers damage to the insured vehicle regardless of fault, provided another identified vehicle has been involved in the accident. It also covers liability to third parties (property damage and bodily injury) when the driver is at fault.

Another insurance guideline
 
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Heineken

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Like all insurance companies the details are in the fine print, I tried to insure my X-Max with Roojai a few years ago and they wouldn't insure, I see now they will.


And you find out how good they are after an incident.


I just did an online quote looking at the details of each option, unless you select manually the excess starts at 50k baht, they value my bike at 80k baht.........................my premium quoted started at 7100 baht, after increasing each option to max cover it went up over 10k baht, so still self insuring atm.


BTW my Honda NC750X is insured with Roojai, has been for a few years, I just renewed recently and I see they have halved the value of my bike, replacement value has been 350k baht for the last 2 years, this year it is valued at 175k, although the premium is similar as last year though.


Surprised Thailand dont seem to have a company like Shannons (Australia) where you can agree on value of your bike, and insure accessories, and they even replace motorcycle clothing if you have an accident and its damaged.
 

Lakota

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Roojai have undervalued My AT on the second year renewal. Makes no sense. A lesser model has more value.

I found Mr Prakan Brokers better and will go with them next time. You can also speak to a Person. Via Email rather than doing it all online.
 

DavidFL

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Roojai have undervalued My AT on the second year renewal. Makes no sense. A lesser model has more value.

I found Mr Prakan Brokers better and will go with them next time. You can also speak to a Person. Via Email rather than doing it all online.

Yes Mr Prakarn was great a couple of years ago too.
It must be time to back & visit their site also.


 

DavidFL

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August - September 2022.

It is renewal time for the GTR Group Health Insurance folks.
All members - there are 13 members currently, 7 guys below 60 years & 6 above 60 years, should have had an email from Andy or Mon @ CnxInsure.


The GTR insurance company - Thai Health - took a hit last year with claims of 982,486.91 baht.
1661501903950.png

I put my hand up for most of this due to my accident in June.
Sadly the insurance company was not impressed & has increased the premium by "25%."

My premium for plan 6, no OP, has jumped from 36,596 baht to 47,804 baht.
Some of you will be alarmed by this, rightly so & myself included.
For the guys under 60, who can easily change policies. you may want to consider any options offered by Cnx Insure our broker.
It is not compulsory to stay in the GTR Group Insurance.

We started this group policy off in 2008, 14 years ago & it was a good value for money policy at the time.
In the very first year, after only 6 months one of our members, Tropical John, TJ Hamilton, got a tumour & died.
To their credit the insurance company paid out the maximum 600,000 baht, for TJ's treament; but the next year there was a small premium increase, maybe 10-15% from memory.

Now however, as time goes by hospital costs have skyrocketed, our ages have increased & more claims have come in, the insurance company likes to keep their profit margin up. Covid-19 payouts may have also seriously affected insurance companies; profitability.

With this last premium increase, there maybe better options than the GTR Group Policy for some people now.
One of the crucial insurance issues is to secure a policy before you are 60 & try to keep it, getting insurance once you are past 70 is difficult & bloody expensive.
Another issue you may face is if you've had medical treatment & claims in the GTR Group policy, these become pre-existing conditions that you should not be covered for in a new policy. Personally I've had multiple skin cancer & kidney stone treatments that may not be covered anymore should I move!
For aging 70+ guys, Thai Health have previously offered GTR members a direct move across to their Wealthy Healthy policy
but as to be expected the premiums get right up there.

Good luck everyone out there.
Make your decision on whatever is affordable, & best for you.

I personally will be renewing my GTR Group Health Insurance policy, because @ 68 (69 in December), there aint many affordable places to go!
 
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ThaiFreak

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Jan 18, 2021
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August - September 2022.

It is renewal time for the GTR Group Health Insurance folks.
All members - there are 13 members currently, 7 guys below 60 years & 6 above 60 years, should have had an email from Andy or Mon @ CnxInsure.


The GTR insurance company - Thai Health - took a hit last year with claims of 982,486.91 baht.
View attachment 149277
I put my hand up for most of this due to my accident in June.
Sadly the insurance company was not impressed & has increased the premium by "25%."

My premium for plan 6, no OP, has jumped from 36,596 baht to 47,804 baht.
Some of you will be alarmed by this, rightly so & myself included.
For the guys under 60, who can easily change policies. you may want to consider any options offered by Cnx Insure our broker.
It is not compulsory to stay in the GTR Group Insurance.

We started this group policy off in 2008, 14 years ago & it was a good value for money policy at the time.
In the very first year, after only 6 months one of our members, Tropical John, TJ Hamilton, got a tumour & died.
To their credit the insurance company paid out the maximum 600,000 baht, for TJ's treament; but the next year there was a small premium increase, maybe 10-15% from memory.

Now however, as time goes by hospital costs have skyrocketed, our ages have increased & more claims have come in, the insurance company likes to keep their profit margin up. Covid-19 payouts may have also seriously affected insurance companies; profitability.

With this last premium increase, there maybe better options than the GTR Group Policy for some people now.
One of the crucial insurance issues is to secure a policy before you are 60 & try to keep it, getting insurance once you are past 70 is difficult & bloody expensive.
Another issue you may face is if you've had medical treatment & claims in the GTR Group policy, these become pre-existing conditions that you should not be covered for in a new policy. Personally I've had multiple skin cancer & kidney stone treatments that may not be covered anymore should I move!
For aging 70+ guys, Thai Health have previously offered GTR members a direct move across to their Wealthy Healthy policy
but as to be expected the premiums get right up there.

Good luck everyone out there.
Make your decision on whatever is affordable, & best for you.

I personally will be renewing my GTR Group Health Insurance policy, because @ 68 (69 in December), there aint many affordable places to go!
Thanks so much for this tread.

Mr. Prakan is known with me, a group insurance covering motorcycling ; this option not.

I'm nearly 60 in a couple of months. Pre-existing conditions. Hard to get proper insurance.
Are there any recent experiences with Insurance companies who did pay out properly as promised?
Purchasing insurance is most of the time easily done, but when you really need the umbrella.... what's happening then are my thoughts.

What are yours recommendation at this moment?

Kind Regards,

Ro El.
 

DavidFL

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Thanks so much for this tread.

Mr. Prakan is known with me, a group insurance covering motorcycling ; this option not.

I'm nearly 60 in a couple of months. Pre-existing conditions. Hard to get proper insurance.
Are there any recent experiences with Insurance companies who did pay out properly as promised?
Purchasing insurance is most of the time easily done, but when you really need the umbrella.... what's happening then are my thoughts.

What are yours recommendation at this moment?

Kind Regards,

Ro El.

Get in before 60 mate otherwise it is tough & prohibitive.
Re paying out, Thai Health has been excellent with GTR so far & I personally have no complaints.
They took a hit in the first year when TJ died of cancer, plus have taken a couple of hits off me & a few other guys, but no one has ever complained they don't pay. Present your card at the hospital & they pay 90% direct.
The main issue nowadays is the skyrocketing costs of hospital treatment & the associated high premiums you end up with once you get over 65/70.
The Thai Health one is a cheap value for money insurance, but they have not increased their coverage in the 14 years we have had the policy. So there maybe better options nowadays, but you're going to pay for it. The choice is yours, but something is better than nothing.
Andy & Mon @ Cnxinsure do have a first class health insurance policy, but you pay for it, & personally it is more than I can afford now.
Fingers crossed we peacefully die of old age in our sleep.
 
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ThaiFreak

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Jan 18, 2021
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Thanks,

Actually I'd give up already, so any new light at the end of the tunnel is something...

At the moment I do not have much more then a American Express Platinum Card. It is not nothing.
Do someone have experiences with just a American Express Platinum Card. Do they pay hospital bills in Thailand?

I'll give it a try with Andy and Mon @CNXinsure.

My goal is to get covered for the worst scenario.
Or let me put it in these words.
in a case of a serious event, a card which will open the door of a Hospital and let me go afterwards is very whishfull.

Is there anyone who is interested in the results I'll get?

I thought I was the only f... who decide to live in Thailand and leave the security of my homeland..
Actually, that National security comes now with long long waiting lists and no free choices of which hospital or doctor is going to treat you.
So, in my point of view. Everything comes with a price tag. But mandatory paying a lot of taxes and related costs for the so-called National Security
aka 'Father State will pay everything' is also not that quality anymore in my country.
So, Thailand becomes more and more expensive, yes. But the quality is also going up to higher standards and still with the Thai Hospitality!


So, let me know when anybody want to hear the results.
 

DavidFL

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Thanks,

Actually I'd give up already, so any new light at the end of the tunnel is something...

At the moment I do not have much more then a American Express Platinum Card. It is not nothing.
Do someone have experiences with just a American Express Platinum Card. Do they pay hospital bills in Thailand?

I'll give it a try with Andy and Mon @CNXinsure.

My goal is to get covered for the worst scenario.
Or let me put it in these words.
in a case of a serious event, a card which will open the door of a Hospital and let me go afterwards is very whishfull.

Is there anyone who is interested in the results I'll get?

I thought I was the only f... who decide to live in Thailand and leave the security of my homeland..
Actually, that National security comes now with long long waiting lists and no free choices of which hospital or doctor is going to treat you.
So, in my point of view. Everything comes with a price tag. But mandatory paying a lot of taxes and related costs for the so-called National Security
aka 'Father State will pay everything' is also not that quality anymore in my country.
So, Thailand becomes more and more expensive, yes. But the quality is also going up to higher standards and still with the Thai Hospitality!


So, let me know when anybody want to hear the results.

You could join the GTR one before 60 & stay in for awhile.
Once you hit the age limit, Thai Health will let your transfer straight over to one of their

Wealthy Healthy Policies.

Which you can stay in until 85, with premiums from 46,878 - 256,661 baht a year.

Re your American Express Platinum Card, I would think it is acceptable by the hospital, as they would check first if it is valid & works.
 

DavidFL

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Update Increased Coverage @ a Price.

After putting the pressure on Thai Health there is an option for higher coverage now with 2 more plans. Plan 7 & Plan 8.
The coverage offered is maximum 2.4 million baht a year for IN Patient only or IN & OUT Patient.
The premiums are
94,964 baht Inpatient only
103,403 baht In & Outpatient

EH12000 is here

For more info please contact [email protected].

I will renewing with Plan 6, no OP, @ 47,804 baht..