According to the Eurocross emergency center, Dutch tourists abroad are more likely to have serious accidents with rented scooters.
A spokesperson says that serious injuries have been reported regularly in recent years, such as an upper leg fracture, a pelvic fracture and injury to the head.
It is not clear what caused the injuries to become more serious. It is possible that the Dutch will become more adventurous abroad and want to go out. It also seems that people on holiday are a bit easier and behave differently than they would at home.
Driving conditions abroad are different than in the Netherlands. The roads are often worse. Different traffic rules apply and when it starts to rain after a period of drought, the roads are very slippery.
In Thailand, the stray dogs often cause a fall.
Many tourists are completely unprotected on a scooter. When you fall in your bikini or swimming trunks, the consequences are often more serious than with protective clothing.
In addition, the scooters that you can rent abroad often have much more engine power and you therefore actually need to have a motorcycle license. In the Netherlands, a moped is 50 cc and has a maximum speed of 45 kilometers per hour. Abroad, a scooter is usually 125 cc, with a top speed of over 100 km per hour.
Source: NU.nl
This is a bit of an open door.
But since this comes from an emergency center, I am interested in the financial settlement of some things, a pity that nothing is mentioned about it.
Worked at a health insurance company and a brother who worked at Eurocross. Personal injury and repatriation are reimbursed from health care and/or travel insurance. (Attention! This can be recovered when driving under the influence!) For damage to a moped you often take out insurance locally (or not), but damage to third parties is (often) not properly compensated if you are not in possession of the proper papers to drive such a vehicle. If it is not a moped according to Dutch law (more than 49.9cc), it is a motorcycle and then you must have a motorcycle license and perhaps an extension to your insurance, since in the Netherlands it is not the person but the vehicle that is insured. So much for damage to third party vehicles. Then injury to third parties. I wonder if the NL driver's license is recognized in Thailand, I can imagine that you need an international driver's license. If a third party is injured or even dies, I can imagine that this could have serious criminal consequences. Compensation for damages can also be quite expensive. As a result, Thailand can even refuse repatriation of the driver. Been to Thailand many times myself, but never rented a scooter knowing this.
Here's another pretty intense story. Let it be a warning: http://www.ad.nl/binnenland/josephine-23-raakte-zwaargewond-bij-scooterongeluk-in-azie~ae504228/
On my last flight to Amsterdam, I met a young woman who had crashed into a stone wall “because the motor scooter did not brake so quickly”. Not only had she been hospitalized, but she had also been allocated 3-abreast seats on the plane – all paid for by the travel insurance. What surprised me very much is that she paid, while she was not in possession of a motorcycle license, nor an international driver's license for this.
I know from Australian friends that there is a strong supervision, and the insurance generally does not pay out.
Will probably be paid for the time being, once she is back in the Netherlands and everything has been sorted out by the insurance company, she will be allowed to (read have to) pay it back
This is very unusual with travel insurance. If there is no right, they will not pay out, because getting it back is virtually impossible.
Health insurance simply pays out, this is simply covered under the compulsory insurance.
Travel insurers have a right of recourse. This means that they will recover medical costs from the health insurer. Every Dutch citizen has compulsory health insurance. If there are costs that are not covered according to the policy conditions and have been paid, the insured must pay them back. They will receive a note for this afterwards. An insurer may also decide to investigate the damage. If it appears that the insured person has not complied with the law, for example not wearing a helmet, using alcohol or not having a valid driving licence, the damage paid out can be fully or partially reclaimed.
Correct in terms of right of recourse. That doesn't apply here, at least not with regard to the repatriation costs I responded to. And recovery from the insured almost never happens, if the resiver insurer thinks that there is no right to payment, they will not provide assistance, except for costs covered by the health insurance.
From the 4th sentence of yours it is unclear whether you are talking about travel insurance or health insurance. Zoprg insurance will simply pay out, travel insurance often will not (although they may facilitate since travel insurance has emergency centers where health insurance does not always have them).
It's all more nuanced than you call it. But it becomes a kind of yes / no chat session that is not at all interesting for the readers. So I stop with that.
I'm talking about travel insurance. I'm sure, because when I broke my leg in Thailand, the health insurance just paid, but because I (just like this woman, by the way) could not go to a hospital, but just go home, I had to make the (delayed) return journey pay yourself.
Well, generation Z travels the world. And as long as your irresponsible behavior is also widely reported in the newspaper and it ends well, there is nothing wrong with it, right?
“We raced around on a scooter for the first time in our lives, at about XNUMX degrees, on dusty roads near Sihanoukville, a town in southern Cambodia, and parked at a beach where no one was. That feeling! That you're completely gone. Everything and everyone.”
.
http://www.ad.nl/dit-zijn-wij/vanaf-je-zestiende-sparen-voor-die-verre-reis-naar-azie~aeff8c8f/
I have already seen many crash into the ground here in Thailand and it is usually reckless driving (they try to copy the driving behavior of the Thais, but they forget that they drive around every day) we see many crash into the ground immediately if they are still but leave with the scooter from the landlord (he closes his eyes and thinks renting is income, but the fact that that person has never driven is not important) yes, they drive in a bikini and if they then hit the ground, it's a bad complaint "I would say it's my own fault. With us you have to wear a motorcycle suit, so dress there with jeans or something. A helmet. If they are not necessary, they even issue fines for that, but once you have paid you can continue without a helmet, this is not possible. Sometimes they see that there is a check, they stop and put on their helmet, unrolled and passed, they stop again and helmet disappears again, the insurance companies should say in case of head injuries, no helmet or no payment, they should take stricter action so that customers become more aware and drive more safely. If they can follow the rules in Europe, they should do the same in Thailand
Many of us know Koh Chang, drive there with my 750 cc especially quietly and not too fast, quite steep climbs and descents, and then the young guys of tourists arrive; full throttle down (10-12 percent)
no helmet, shorts, bare-chested, usually after the 2nd turn you can already see them, then I think sometimes (stmm ll)
Well .. harrowing situations, especially when you end up in an accident with an opponent who has suffered damage because most scooters are not actually insured for rental because of too expensive!
My wife rented scooters here in Hua Hin, we gave people the choice of a scooter with the cheap Thai insurance where they had to say in the event of an accident that they were borrowing it or a well insured scooter which then cost 30 baht more per day, well I'll give you guess what we rented out the most, yes the poorly insured scooters, and the renters were always farang.
The well-insured scooter yielded nothing, on the contrary even a loss, we almost never rented those scooters.
In the meantime, we have stopped renting out for several years because the yield is too low.
But this is a point for the government, requiring good insurance for renting scooters and preferably an all risk!
I read here again and again, health insurance paid. I assume this refers to the health insurance fund. However, this is not the case with Belgian holidaymakers. There, the health insurance fund pays absolutely nothing outside of Europe. There you are therefore obliged to take out travel insurance. And whether this pays out in such accidents will indeed depend on the company
Claiming that Belgian health insurance funds (read the Belgian National Office for Sickness and Disability - INAMI) do not pay anything outside Europe is not only oversimplified, it is also incorrect.
For countries outside the EU with which a bilateral treaty has been concluded, the arrangement is identical to that within the EU.
Thailand is not a "treaty country" in this respect, but that does not mean that medical costs in case of hospitalization due to illness or accident (pay attention to the definition of this) are not reimbursed by the RIZIV and paid through one or another health insurance fund.
The “service” practice of payment also differs between the health insurance funds.
For example, the Christian health insurance funds provided on-site assistance (often including pre-financing, comparable to a third-party payment scheme in BE) via MUTAS until the end of last year. Since the beginning of this year they no longer do that for Thailand. For a series of other countries outside the EU that is. It is crystal clear on their website.
I know from experience that the Socialist health insurance funds will continue to provide assistance through MUTAS. Of course there are conditions and modalities attached to this.
You will find terms and conditions of the insurance on the websites of the health insurance fund. On the MUTAS website you will find it for on-site assistance. It usually takes some effort because it's not always on the first page.
Dear, I recently checked all the websites of our health insurance funds regarding the Mutas scheme. They all limit the area to Europe and the Mediterranean!
Indeed. I have an email from my health insurance fund (OZ) that they really don't refund any costs incurred in Thailand. Since we now live here permanently, I followed the advice of a Belgian colleague to take out the additional expat insurance from AXA. This way we are insured for a large part at a reasonable price
now I have to respond, last year I spent a day in Bangkok hospital in Korat.
as I was a cross-border worker. so from Belgium I worked in the Netherlands. I also had travel insurance with worldwide coverage and nothing was reimbursed, both Christian health insurance in Belgium and the Dutch health insurance said that I had to recover it from travel insurance, which also paid nothing because I only worked with one of the other two. had to try. I then gave up and paid out of my own pocket.
Unfortunately you have not been informed correctly. If you work in the Netherlands (and are therefore liable to pay taxes in the Netherlands), you are compulsorily insured for basic insurance. Assuming that you received emergency care in Bangkok Hospital, you are entitled to 100% Dutch rate reimbursement from your basic insurance. Any additional travel insurance that covers medical costs or additional health insurance will then reimburse the rest. However, you must first declare the remainder to your health insurance, then, if necessary, to your travel insurance. You must of course have an invoice specifying the treatment. For the future: always contact your health insurance if you are admitted to hospital. In most situations, they will issue a guarantee statement to the hospital and pay the invoice directly.
Belgian health insurance covers health risks abroad, regardless of whether this is within or outside the EU, including in Thailand. A small search help with some links to get rid of nonsense:
http://www.bondmoyson.be/ovl/voordelen-advies/terugbetalingen-ledenvoordelen/In-het-buitenland/op-reis/Medische-zorgen-in-het-buitenland/Pages/default.aspx
https://www.cm.be/diensten-en-voordelen/vakantie-en-vrije-tijd/reisbijstand/te-doen-vooraf.jsp
https://www.oz.be/gezondheid/wat-te-doen-bij/veilig-op-reis/dringende-zorgen-buitenland
http://www.lm.be/NL/Uw-mutualiteit/Publicaties/Brochures/Documents/Mutas.pdf
The coverage is not unlimited. That is not the case with any insurance. For example, the cover is limited in time, tailored to the bulk of foreign holiday travellers. This means that the coverage period is not sufficient for long-stayers. Nuance, nuance, nuance.
Why provide oversimplified and even incorrect information? Thailand travelers do not benefit from this and the quality of this blog does not do well either.