Visiting Southeast Asia is impossible without renting a scooter or a motorbike. Yes, we feel you. It is so much fun to drive through lush green rice paddies, explore the surrounding area by bike, and it is convenient to get to the coworking space.
When having travel health insurance with Genki, scooter accidents and motorbike accidents are covered. But only for the following conditions.
☔️ Are scooter accidents covered by Genki?
Yes. With our 🎒 Genki Explorer, scooter accidents are covered. Genki Explorer covers the medical expenses only for the insured person. Medical expenses for other injured persons are not covered.
⚙️ Are material damages covered?
No. We do not cover any material damages, neither of the insured person nor of any other person involved in the accident.
When you rent a scooter or a motorbike check with the rental service if they offer additional insurance that covers material damages.
🚧 What if you caused the accidents?
Our 🎒 Genki Explorer covers scooter accidents no matter if the accident is caused by you (the insured person) or not.
We cover medical expenses only for the person who is insured with us.
🪖 What if you didn't wear a helmet?
Yes. Our 🎒 Genki Explorer covers scooter accidents no matter if you (the insured person) wore a helmet or not.
However, we strongly recommend to always wear a helmet. Especially in countries like Thailand and Vietnam, where the law doesn't get enforced, it is advisable to wear a helmet for both, the driver and the passenger.
The ratio of motorbike accidents in Thailand is extremely high. Around 74% of all traffic accident deaths are motorbike drivers. Around 80% of all accidents are caused by young men around the age of 25.
Although the WHO recommends an urban speed limit of 50km/h, the urban speed limit in Thailand is 80km/h, alarming for experts.
Add the manual enforcement of traffic laws to control alcohol levels, speed limits, and helmet laws, and you can imagine why Thailand is ranked high in fatality rate for traffic accidents.
The average annual fatality rate for traffic accidents has been around 20,000 people in the past ten years.
🍻 What if you drove drunk?
No. Our 🎒 Genki Explorer does not cover the costs of accidents caused by mental illness or impaired consciousness, if this is a result of the consumption of alcohol, drugs, intoxicants or sedatives, sleeping tablets or other narcotic substances.
We strongly advise you not to drive any motorized vehicle after you consumed alcohol.
💊 What if you took drugs?
No. Our 🎒 Genki Explorer does not cover the costs of accidents caused by mental illness or impaired consciousness, if this is a result of the consumption of alcohol, drugs, intoxicants or sedatives, sleeping tablets or other narcotic substances.
If you consumed drugs, we strongly advise you to not drive any motorized vehicle.
🪪 What if you had no license?
Yes. Our 🎒 Genki Explorer covers scooter accidents although you (the insured person) do not have a driver's or motorbike license.
We strongly advise you not to drive any motorized vehicle if you do not have a license or if you feel uncomfortable driving in a foreign country.
🏁 What if you took part in a motorbike race?
No. Our 🎒 Genki Explorer does not cover scooter accidents when they were caused by organized racing (scooter race or motorbike race).
Accidents caused by fast driving are covered.
🎀 Summary
Accidents are covered if the insured person
- has no license and/or
- had no helmet and/or
- caused the accident
Accidents are not covered if the insured person
- consumed alcohol, drugs, intoxicants, sedatives, sleeping tablets, or other narcotic substances, and/or
- took part in a scooter or motorbike race
- Additionally, the accident is only covered for medical expenses for the person who is insured with us
🛟 Genki Explorer travel health insurance
- Who is this for: International travelers with long-term health coverage.
- Region of cover: Worldwide. Every single country. Depending on your travel plans, you can choose to have full or limited cover in Canada & the USA.
- Home country: When signing up for Genki Explorer you'll specify your "home country". That's the country where you have citizenship or permanent residence, and the place you would want to be returned to in case of a serious illness or injury. So, ideally it's a place where you have access to long-term health care and family/friends who can help you recover. With Genki Explorer, visits to your home country are covered for up to 42 days within each 180 day period.
- Inclusions & exclusions: Medical emergencies and medically necessary treatments (ear infection, flu), initial mental health issues, and sports injuries are covered. Pre-existing conditions and pre-existing pregnancies are not covered. See all benefits.
- Monthly costs: Genki Explorer starts from €48.30 a month (prices for ages 0-29). The monthly costs depend on the chosen deductible, and if you want to include or exclude the USA & Canada.
☂️ Genki Native international health insurance
- Who is this for: Digital nomads, expats, and other long-term travelers who want complete health cover.
- Region of cover: Worldwide (limited cover in Canada & USA).
- Period of cover: You can stay covered for as long as you need to (the minimum is 1 year).
- Home country: Genki Native is available for people from every country (including nomads without any legal residence). You can choose to have limited or full cover in your country of citizenship.
- Genki Native Basic: Genki Native Basic covers necessary medical treatment (inpatient and outpatient treatments) at any licensed doctor or hospital up to €1,000,000 per year. That includes accidents and emergencies, as well as common illnesses and injuries.
- Genki Native Premium: Genki Native Premium also covers preventive care/check-ups, plus dental, vision, maternity, mental health, and more. Genki Native Premium has no overall limit for medical costs and also includes full cover in your country of citizenship.
- Price: Genki Native Basic costs €180 per month (example price for someone aged 20-34 with no deductible). The exact price depends on your age and the benefits and deductible you choose; the price may increase based on the medical information in your application).
