Anecdote/comparison: there is a guy on YT doing Taiwan motorcycle tours, one of the US guests broke an ankle falling off the scooter with no tourist insurance.

Anecdote/comparison: there is a guy on YT doing Taiwan motorcycle tours, one of the US guests broke an ankle falling off the scooter with no tourist insurance. They went to the hospital and asked to pay in cash. Xray, cast, emergency room, all in all few hours of work came down to below $1K no questions asked.