Learn more about medical coverage for two people in motorbike insurance.
Medical expense coverage for two people, as the name suggests, covers medical expenses for a maximum of two people in the event of an accident. It safeguards the rider regardless of who is to blame for the collision. Whether you fell into a bush or were hit by another car, your medical expenses will be covered up to the policy’s limit.
If you are involved in an accident and must be transported to the hospital. According to the actual sum charged for two people, the insurance company will assist you in paying for emergency care, surgery, and hospital fees.
In Thailand, Type 2+ motorbike insurance offers medical expense coverage for two to three people. When you and your passenger are involved in an accident, the insurance will help you pay for the medical expenses. Medical expense coverage, unlike personal accident insurance, does not cover missed earnings or other expenses.
Type 2+ motorbike insurance offers many advantages if you want to have medical expenses coverage. Yes, you have to spend a little extra money for additional protection. However, it is still less costly than most comprehensive motorbike insurance and you get more protection than type 3 motorbike insurance. Since the total sum insured is so high, it covers medical costs for up to two persons in an amount not to exceed the policy limit.
With medical expense coverage, you don’t have to worry about paying for the medical costs in case you get into an accident.
Motorbike insurance is a voluntary insurance. So you need to take careful consideration before purchasing one to ensure that you get the coverage you need, but you don’t waste your money. Here’s what you need to consider:
Protection You must first find out how the insurance protect you. Remember, each accident is different. People can be injured because their motorbike is damaged or because a responsible driver hit them. Therefore, make sure you choose an insurance plan that protects you in terms of medical costs for any accident.
Protection Limit This is the amount of coverage provided by the motorbike policy. For example, motorbikes that are 1 to 5 years old may be covered for a maximum of 10,000 THB in the event of a motorbike collision or a maximum of 5,000 THB for each person’s injury.
Insurance Premium The size of the engine or the CC of the motorcycle you ride will determine the insurance premium you have to pay. The higher the CC, the more expensive the insurance premium will be.
Ride around Thailand with confidence by having medical expense coverage for two people.
Aside from medical expenses coverage for two people, type 2+ motorbike insurance also offer other related coverage. These include:
If you need to make a claim, you must prepare the following documents: