TSB67 Posted February 24, 2011 Report Share Posted February 24, 2011 So I'm shopping for medical insurance and I asked an advisor if there were any exclusions on the accident policy, motorcycles in particular. She told me nothing was excluded, but motorcycle riders pay approximately 20% premium.So then I talk to another person for medical history, and after what seemed like an eternity of actual medical questions, she asked something to the effect of whether or not I ride a motorcycle. I said yes, and asked if that question was standard or just for me based on my previous discussion. She said that it was a standard question, but I am the only person that she has ever had answer yes. I told her that it was the primary reason I am shopping for medical coverage, not gonna lie about that one.I can see this turning into a hate thread over discrimination against motorcyclists, but I just thought it was funny that this is the ONLY "high risk" activity that they asked about.On a semi-related note I once had a policy through school that specifically excluded skydiving. Quote Link to comment Share on other sites More sharing options...
jporter12 Posted February 24, 2011 Report Share Posted February 24, 2011 I guess I don't understand the logic. Does this mean that if someone only used public transit, I should get a discount then? Quote Link to comment Share on other sites More sharing options...
NinjaNick Posted February 24, 2011 Report Share Posted February 24, 2011 There's more car accidents or fatalities than motorcycles, so why don't they ask if you drive a car and jack up your rates? hmmm. Quote Link to comment Share on other sites More sharing options...
TSB67 Posted February 24, 2011 Author Report Share Posted February 24, 2011 There's more car accidents or fatalities than motorcycles, so why don't they ask if you drive a car and jack up your rates? hmmm.They actually did ask about accidents and traffic violations, but I'm not sure if those were car-related questions or if the flowchart led to that only because I answered "yes" to the motorcycle question. Quote Link to comment Share on other sites More sharing options...
Casper Posted February 24, 2011 Report Share Posted February 24, 2011 You'll definitely want to shop around about that. I've never heard of that before, and I've had several different health insurance companies. Hell, I just got a life insurance policy and they didn't charge me a premium for riding motorcycles. If a company told me I was going to be paying a 20% premium for riding motorcycles, I'd tell them to suck it and post their info on every motorcycle related site I knew of. Post here if you need help with it. Quote Link to comment Share on other sites More sharing options...
Bad324 Posted February 24, 2011 Report Share Posted February 24, 2011 are you looking for just standard medical coverage such as I have through work or is it something above and beyond? Quote Link to comment Share on other sites More sharing options...
TSB67 Posted February 24, 2011 Author Report Share Posted February 24, 2011 It is all said and done but I was looking for a cheaper alternative to the COBRA coverage I've been paying since I left my job. Basically I haven't been to a doctor in the past decade, but want to be covered if I wad myself somehow. I think she stacked a separate accident policy on top of a high-deductible standard medical policy.Motorcycle "penalty" or not, I'm happy to be covered for such things at a significant savings from what I was paying, and hopefully this is all relatively temporary anyway. The 55 minutes I spent on the phone today are as much effort as I care to put into it... Quote Link to comment Share on other sites More sharing options...
ReconRat Posted February 24, 2011 Report Share Posted February 24, 2011 (edited) I guess I don't understand the logic. Does this mean that if someone only used public transit, I should get a discount then?Yes, since fatalities in an automobile or truck are actually more common than fatalities on a motorcycle. Medical insurance isn't concerned with the fatalities, the high cost is the recovery of wounds in a motorcycle accident. Therefore there should be a discount on motorcycle medical coverage for wearing full armor.edit: dang it, Nick must have read the same national fatality report that I did... Edited February 24, 2011 by ReconRat Quote Link to comment Share on other sites More sharing options...
zx3vfr Posted February 24, 2011 Report Share Posted February 24, 2011 motorcycle? whats that? shhhhhh Quote Link to comment Share on other sites More sharing options...
dustinsn3485 Posted February 24, 2011 Report Share Posted February 24, 2011 So who'd you go with? I'm going to be shopping around for insurance soon. The company I work for doesn't offer any and I've been without for about a year. Quote Link to comment Share on other sites More sharing options...
TSB67 Posted February 24, 2011 Author Report Share Posted February 24, 2011 So who'd you go with?I just called the folks at www.healthcompare.com, as they are somehow partnered with the company that was facilitating my COBRA coverage. I really couldn't even tell you off hand who I ended up with, I just went with whatever she recommended. All the options were confusing to me, and in lieu of doing a ton of research I chose to just listen to someone who makes a living dealing with this sort of stuff. I think 200+ options for medical come up when I go to that website myself. Quote Link to comment Share on other sites More sharing options...
mgbgt89 Posted February 25, 2011 Report Share Posted February 25, 2011 motorcycle? whats that? shhhhhhI'd rather pay a 20% premium than get my claim denied for lying to them after i destroy my body in a crash. If they're gonna charge you based on if you ride or not, you should get a discount for wearing full gear. Then again, you might cost them more money since you've got a chance to survive a crash. Quote Link to comment Share on other sites More sharing options...
NinjaNick Posted February 25, 2011 Report Share Posted February 25, 2011 Yes, since fatalities in an automobile or truck are actually more common than fatalities on a motorcycle. Medical insurance isn't concerned with the fatalities, the high cost is the recovery of wounds in a motorcycle accident. Therefore there should be a discount on motorcycle medical coverage for wearing full armor.edit: dang it, Nick must have read the same national fatality report that I did...No, didn't read anything about it. I just knew that there are WAY more people driving than riding, so obviously the fatality rate would be higher on 4 wheels, plus I hear more of them than bike. I just got it like that Recon. Quote Link to comment Share on other sites More sharing options...
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