Visiting Southeast Asia is impossible without renting a scooter or a motorbike. Yes, we feel you. It's a lot of fun to drive through lush green rice paddies and explore the surrounding area by bike, and the coworking space is conveniently located.
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 Traveler, scooter accidents are covered. Genki Traveler 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, either to the insured person or to any other person involved in the accident.
When renting a scooter or motorbike, check with the rental service if they offer additional insurance that covers material damages.
🚧 What if you caused the accident?
Yes. Genki Traveler covers scooter accidents, regardless of whether you cause the accident (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?
No. Genki Traveler does not cover scooter accidents if you (the driver and insured person) did not wear a helmet.
Genki Traveler covers scooter accidents if you (the insured person) did not wear a helmet as a passenger.
However, we strongly recommend always wearing a helmet. Especially in countries like Thailand and Vietnam, where the law isn't 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, Thailand's urban speed limit is 80km/h, which experts find alarming.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 rates 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 Traveler 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, sedatives, sleeping tablets, or other narcotic substances.
We strongly advise you not to drive any motorized vehicle after you have consumed alcohol.
💊 What if you took drugs?
No. Our Genki Traveler 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, sedatives, sleeping tablets, or other narcotic substances.
If you have consumed drugs, we strongly advise you not to drive any motorized vehicle.
🪪 What if you had no license?
No. Our Genki Traveler policy does not cover scooter accidents if you (the insured person) do not hold a driver's or motorbike license.
Yes, for light motorcycles only. You are covered by Genki Traveler when driving a light motorcycle without a 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 Traveler 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
- caused the accident
- had no helmet as a passenger
- had no license but drove a light motorcycle
Accidents are not covered if the insured person
- did not wear a helmet
- had no license
- 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
🛟 Travel health insurance with Genki
Genki Traveler
A flexible, worldwide travel health insurance subscription for up to 1 year.
- Who is this for: Frequent and long-term international travelers (like digital nomads) who want the freedom to go anywhere and to change plans on a moment's notice.
- Region of cover: Worldwide cover, outside of your home country.
- What’s covered: Up to €1,000,000 of medical care for unexpected injuries and illnesses. That includes doctor’s visits, treatment at public and private hospitals, emergency medical transport, and medically necessary return transport to your home country. It doesn’t cover prior health conditions, preventive care, dental, vision, or maternity care.
- Length of cover: From one month up to one year. Monthly billing. Cancel anytime. You should have other long-term health cover in your home country.
☂️ 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, the benefits and deductible you choose, and the medical information in your application; the price may increase accordingly.
