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post #1 of 8 (permalink) Old 06-16-2004, 05:52 AM Thread Starter
 
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The Unthinkable...

I was having a chat with Boycie last week about the marvels of checking out local health care after a jaunt at the track and both of us came to the conclusion that on average most of us are not very well prepared for this eventuality. Since I have never been to PG, my points are centred around Sepang.

Would just like to point out the following:
• With your AAM license, RM200 of the 250 you paid is for up to RM20,000 worth of medical insurance in the event of an off, even during a race. When I had mine and the hospital asked how the bill was going to be paid, I thought about this but didn't even know the insurance company that AAM uses. What to say? In the end I used my company insurance.

• Assuming that you know what your Insurance Co is called, does the hospital you arrive at have an arrangement with them? If not, you will have to pay first and claim later. This is alright if your credit card is up to it, but if it is the end of the month and you've been splurging on fancy parts etc?

• By default, when you are sent to hospital from Sepang, they will send you to Putrajaya hospital. I am not sure one way or another about the quality of Docs there but personally would prefer to go to a private hospital.

• If you are not concious, or in Boycie's case, not playing with a full deck (at the time of the accident I mean), you may not have a choice at the time. It would be worth making an arrangement about this beforehand and maybe writing a letter to Sepang stating that if you require hospitalisation please send you to XXX to see Dr. XXX. or something like this.

I asked my Orthopaedic Surgeon whom I visited today about BUPA and he said that at the moment Pantai Hospital does not have an arrangement with BUPA.

What I am suggesting is that you have a plan what you will do if you fall off at Sepang. I am collecting a list of good orthopaedic and neuro surgeons in KL so that you don't have to go shopping with gritted teeth. I will also try and find out which hospitals take which insurance.

Although Pantai does not have a direct arrangement with BUPA, I can whole-heartedly recommend the surgeon who worked on me- Dr. Gobinder Singh. Marvelous doctor who specialises in sports injuries and there are many others who are excellent too. There have been many other recommendations from the "Crooked Clavicle Club" of which I am now a proud member, on which doctors and hospitals are good.
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post #2 of 8 (permalink) Old 06-16-2004, 10:18 PM
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i can whole heatedly agree with you on the Putrajaya hospital issue, my nightmare ambulance ride and 4 hours of not knowing what was going on coupled with the fact that they said the only injury i had was to my leg and that they couldn't opperate for 5 or 6 days due to staffing problems didn't inspire much confidence and if i had known this before hand i would definatly have set something up with sepang to have gone directly to Pantai

luckily i had my own private medical insurance and got transfered to Pantai where the tratment and facilities were second to none, If you need major metal work i can highly reconmend doctor J K Lee, top dpc, even if he is a bit sarcastic the nurses are pretty and attentive too, although this did annoy the wife somewhat !

on the subject of costs i found it to be very inexpensive with 6 days in ICU a further 7 in a private room, a 7 hour opp, stainless steel plates and a bucket of screws, full body scan and X-rays with enough drugs to keep the reaper away came to about RM40k
so for the usual off at the track where you end up with a plate in the shoulder i would think the RM20k you get with the race licence would more than cover it!!

My insureance company never questioned the fact that i was on the track and never once made me feel they wouldn't pay everything, even offering to repatriate me after i got out. It is an international expat policy and doesn't cover you in your home country so if your malaysian i wouldn't be any use sorry, but for the ex-pats out there my premium of £400 seemed a small price to pay for £6k+ of excelent treatment and also covers you world wide (except the US and Canada)

MSS37, does the AAM insurance only cover you for race weekends, or is it any time you are on the track?

be safe out there
P

I want to be young & wild. Then I want to be middle-aged & rich. And then I want to be old & annoy people by pretending I'm deaf
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post #3 of 8 (permalink) Old 06-17-2004, 01:29 AM Thread Starter
 
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If anyone knows about this through experience tls boy, you do.

Quote:
Originally posted by tls boy
On the subject of costs i found it to be very inexpensive with 6 days in ICU a further 7 in a private room, a 7 hour opp, stainless steel plates and a bucket of screws, full body scan and X-rays with enough drugs to keep the reaper away came to about RM40k
so for the usual off at the track where you end up with a plate in the shoulder i would think the RM20k you get with the race licence would more than cover it!!
My little escapade:
multiple X-Rays, G.A. plate & screws for surgery, drugs (good stuff too) and 3 nights in hospital in a single room was RM8,000. I didn't think it was cheap but listening to the costs in Singapore...

Quote:
Originally posted by tls boy
MSS37, does the AAM insurance only cover you for race weekends, or is it any time you are on the track?

be safe out there
P
According to Barry, it is anytime you are on the track, i.e., not covered by regular insurance. I will have to check up on this though.
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post #4 of 8 (permalink) Old 06-17-2004, 07:34 PM
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Thanks for posting this Johan,

I'm also covered by BUPA now.
As far as I know, they don't have any arrangement with any of the hospitals in Malaysia. When you went to Pantai, did you have to make any special arrangements?
Would be interesting to know just in case.

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post #5 of 8 (permalink) Old 06-17-2004, 08:18 PM
 
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AAM insurance

WIll the AAM insurance cover up to 20k in a private hospital?

It would be nice to know how we'd claim on the AAM insurance, has anyone seen the policy documents?
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post #6 of 8 (permalink) Old 06-18-2004, 01:47 AM Thread Starter
 
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Re: Thanks for posting this Johan,

Quote:
Originally posted by Silva Bullet
I'm also covered by BUPA now.
As far as I know, they don't have any arrangement with any of the hospitals in Malaysia. When you went to Pantai, did you have to make any special arrangements?
BUPA used to but don't anymore- they are trying to get this sorted. If you are admitted to Pantai, BUPA will pay the claim but you will have to pay first. More importantly, you will need to have a Credit Card limit sufficient for the estimated amount or a friend willing to front for you...
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post #7 of 8 (permalink) Old 06-18-2004, 09:52 PM Thread Starter
 
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I found out from Barry Leong of Raceline today that for the AAM insurance included in the cost of your race license, again you need to pay first...

However, upon discharge, you will need to get a confirmation letter from SIC to state that the accident happened on the track and what date it occured etc. and submit this to AAM Motorsports. They will make a cheque for you which should be ready in a couple of weeks.

This is probably not too helpful if you don't have a Malaysian Bank Account. I forgot to ask about this.
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post #8 of 8 (permalink) Old 06-20-2004, 04:35 AM Thread Starter
 
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Keeping the AAM for Races

I have decided to keep the hospital bill for my last escapade with my company insurance for the following reason:

I am not sure if it covers bike races and decided to save the AAM Insurance in case I have an off at one of the races.
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