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kurtz
Joined: 12 Mar 2008
Posts: 518
Location: Phaic Tan
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 Posted: Thu May 19, 2016 1:48 am Post subject: |
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| Mattingly wrote: |
| kurtz wrote: |
| Mattingly wrote: |
| skarper wrote: |
It depends on the insurance policy and on the pay out.
Small pay outs are more readily made than the huge payouts this unfortunate young woman would need.
A travel insurance policy might pay a few dollars without making detailed inquiries. But if they can get out of a big payout they will. They have experts whose job it is to find grounds to refuse payment.
Even an expat policy may not payout in this case due to using a xe om. They may claim she should claim on to the driver's insurance [yeah - I know]. |
I know MANY people who paid their insurance premiums and got RIPPED OFF when they had an accident or illness.
Insurance is a business, obviously. |
In what way did they get ripped off?
Naturally, insurance companies will do everything they can to not pay, but from personal experience, if you have the right documents such as a police report, they have to pay.
Perhaps I am reading into your comments wrongly, but you seem to be implying insurance is a waste of money because they won't pay out. |
Ripped off as in dubious fine print in the Riders.
After years of paying premiums, a mate of mine made a small claim. The insurance company paid it, but when he went to renew the following year they raised the new premiums to exorbitant amounts.
No, I am not implying insurance is a waste of money.
Just be very careful of the policy you sign and have a qualified lawyer look at the riders before you commit. |
If this is your example of getting ripped off, then spare me. There are many insurance companies, so shop around if you don't like the quote.
What is with getting lawyers involved in reading the fine print? You must be a Yank, eh?
I think I can read and understand a policy without bringing in a suit. |
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rogerwilco
Joined: 10 Jun 2010
Posts: 1549
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| Posted: Thu May 19, 2016 4:31 am Post subject: |
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Any recommendations for insurance policies in Vietnam ?
Any local Vietnamese companies that sell policies to foreigners ? |
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ExpatLuke
Joined: 11 Feb 2012
Posts: 744
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| Posted: Thu May 19, 2016 1:31 pm Post subject: |
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| I've been on Bao Viet for my entire stay here. Used them twice with stays in the hospital. |
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Mattingly
Joined: 03 Jul 2008
Posts: 249
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| Posted: Sat May 21, 2016 3:51 am Post subject: |
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| kurtz wrote: |
| Mattingly wrote: |
| kurtz wrote: |
| Mattingly wrote: |
| skarper wrote: |
It depends on the insurance policy and on the pay out.
Small pay outs are more readily made than the huge payouts this unfortunate young woman would need.
A travel insurance policy might pay a few dollars without making detailed inquiries. But if they can get out of a big payout they will. They have experts whose job it is to find grounds to refuse payment.
Even an expat policy may not payout in this case due to using a xe om. They may claim she should claim on to the driver's insurance [yeah - I know]. |
I know MANY people who paid their insurance premiums and got RIPPED OFF when they had an accident or illness.
Insurance is a business, obviously. |
In what way did they get ripped off?
Naturally, insurance companies will do everything they can to not pay, but from personal experience, if you have the right documents such as a police report, they have to pay.
Perhaps I am reading into your comments wrongly, but you seem to be implying insurance is a waste of money because they won't pay out. |
Ripped off as in dubious fine print in the Riders.
After years of paying premiums, a mate of mine made a small claim. The insurance company paid it, but when he went to renew the following year they raised the new premiums to exorbitant amounts.
No, I am not implying insurance is a waste of money.
Just be very careful of the policy you sign and have a qualified lawyer look at the riders before you commit. |
If this is your example of getting ripped off, then spare me. There are many insurance companies, so shop around if you don't like the quote.
What is with getting lawyers involved in reading the fine print? You must be a Yank, eh?
I think I can read and understand a policy without bringing in a suit. |
I'm not a Yank.
Here's an update on the Teacher and note the insurance:
| Quote: |
| Childhood friend and judo competitor Khalid Gehlan created an online fundraising page for Ms Inglis, who won silver at Glasgow 2014, as her travel insurance had been deemed invalid and her hospital stay was costing £2,000 a day |
http://muine-info-and-events.com/index.php/2016/05/19/judo-star-stephanie-inglis-given-50-50-chance-after-motorcycle-accident/ |
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kurtz
Joined: 12 Mar 2008
Posts: 518
Location: Phaic Tan
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| Posted: Sat May 21, 2016 7:26 am Post subject: |
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Mattingly, you claim not to be anti-insurance, yet you persist with pushing the point that insurers are all rip offs and the girl's insurance isn't paying up. However, here it says her insurance had expired.
What really matters is that the bullet-proof expat community who often get drunk and drive motorbikes might find reality sucks when they have an off and the old hat needs to get passed around to get your sorry arse back to mummy.
We don't know all the facts about this case, so speculation ought to stop. It should be a wake-up call for a few one would hope.
http://www.bbc.com/news/uk-scotland-36314504
Family friend and judo athlete Khalid Gehlan started a funding appeal after it emerged that Ms Inglis's travel insurance had expired due to the length of her stay in Vietnam. |
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Mattingly
Joined: 03 Jul 2008
Posts: 249
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| Posted: Mon May 23, 2016 7:22 am Post subject: |
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| kurtz wrote: |
| Mattingly, you claim not to be anti-insurance |
No, I have never claimed I was 'anti' insurance. Not at all.
I noted to read the rider carefully and choose the company carefully.
| Quote: |
| yet you persist with pushing the point that insurers are all rip offs |
I have never stated this directly or indirectly.
| Quote: |
| an the girl's insurance isn't paying up. However, here it says her insurance had expired. |
That is fair enough.
| Quote: |
| What really matters is that the bullet-proof expat community who often get drunk and drive motorbikes might find reality sucks when they have an off and the old hat needs to get passed around to get your sorry arse back to mummy. |
I agree on your points.
1. Yes, the vast majority of motorbike accidents w/ expats involve alcohol in my experience of many years.
2. I have witnessed a few of these "fundraisers." It is indeed sad. The person in the accident is in the hospital, sometimes in a coma, needing surgery or recently having it, with a total bill of $30,000. These fundraisers raise about $1,500 to $2,000 USD. A pittance of the total.
| Quote: |
| We don't know all the facts about this case, so speculation ought to stop. It should be a wake-up call for a few one would hope. |
A wake up call to get insurance if you drive a motorbike or ride as a pillion driver on a regular basis. |
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CKM
Joined: 22 Sep 2010
Posts: 74
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creeper1
Joined: 24 Aug 2010
Posts: 481
Location: New Taipei City, Taiwan
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