Sometimes it seems like my life in Thailand is an accident waiting to happen. Back home, I never thought of myself as clumsy or accident-prone, but somehow I am always hurting myself in Thailand. Maybe it’s all the uneven surfaces & sidewalks, maybe I have bad luck, or maybe I’m just a bit clumsy. Whatever the reason, I’ve found myself at Thaksin hospital more than a few times.
After my first few visits to the hospital for a broken foot, I was out 5,000 baht. Visiting the hospital is a lot cheaper here than it is back in the States, but when you are making baht and spending baht, the cost can start to add up. “You should get the accident insurance that the bank provides,” one of my friends told me afterwards. Turns out, I wouldn’t have had to pay a single baht for getting my broken foot doctored up!
A few days later, I left the bank with a shiny new Debit Plus silver card that provides me with 5,000 baht of hospital bills covered per accident. Any type of accident is covered as well: motorbike accidents, broken bones, a cut on a your finger, or even a scrape from falling down. Since getting it, it’s saved me at least 8,000 baht.
I would highly recommend getting this insurance, especially if you plan to drive a motorbike around. Plus, it only costs around 300 baht ($10) for a whole year worth of insurance, so why not?
How to sign up for accident insurance:
1. After a few months in Surat, the Super English staff will finish processing your one year visa and work permit. Now that you have these items you can open a bank account at Siam Commerical Bank.
2. Go with a Super English staff member to SCB bank. Tell them that you want the Debit Plus silver or gold card. At the time of writing this, the silver card costs around 300 baht per year and covers 5,000 baht in hospital bills per accident. The gold card costs around 1,000 baht per year and covers 25,000 baht in hospital bills per accident.
3. Enjoy peace of mind knowing that if an accident happens, you won’t be out any cash and can afford to get it treated properly.
If you need to find me, I’ll be off at my new job as an insurance salesman.