Group Health Insurance Plans Tailored for Teams Across Southeast Asia

We help organizations across Southeast Asia protect their people with high-end, customized group health insurance. Our solutions adapt to your structure, team setup, and employee needs — whether you operate in one country or across the region.

Global Mindset

Local Expertise

Boutique Service

Why Companies Switch to LUMA

We’re more than a policy provider — we’re your health insurance partner. Our clients include global tech leaders, embassies, international schools, and professional firms that require adaptable, top-tier coverage.

One Stop Health Insurance Solution

We build sustainable, benefit-rich insurance programs that match your company’s goals, budget, and growth.

Effortless Solutions for Members and Administrators Alike

LUMA specializes in tailored, IPMI health insurance solutions designed specifically to fit the structure and goals of your organization.

What to Expect for Group Members

What to Expect for Group Administrators

Dedicated account manager from day one
Smooth onboarding and plan migration
Employee orientation sessions
Health seminars for education and prevention to drive engagement
Ongoing support for claims, renewals, and plan performance

Our Clients: Trusted by Global Brands and Institutions

We’re proud to work with a diverse portfolio of forward-thinking organizations:

🌐 #1 Global Search Engine

💳 #1 Global Credit Card Platform

✈ Top International Travel Booking Platform

🏍 High-End Italian Motorcycle Manufacturer

💄 Leading French Cosmetics Group

🍃 Renewable Energy Plants in Laos

👔 Big 4 Firms

⚐ Embassies Across Asia

📖 International Schools in Asia

Frequently Asked about Health Insurance for Companies

Is it possible to have different plans under the same Corporate Health Insurance?

Yes. We can tailor benefits across teams, roles, or office locations under a single policy structure to match your company’s internal setup.

Can employees based in different countries be covered under the same Company Health Insurance?

Yes, LUMA can be setup to cover employees who are based in different locations in South East Asia.

Can Pre Existing conditions be covered in a Group Insurance?

Some health insurance plans offer coverage for pre-existing conditions, known as Medical History Disregarded (MHD) underwriting. To qualify for MHD, companies typically need at least 10 employees. However, requirements vary by plan and insurer.

For businesses seeking a more affordable option, we can offer plans that exclude pre-existing conditions to lower premiums. Let’s discuss your company’s needs to find the best fit.

What is the difference between group and individual health insurance?

The main differences between Group Insurance and Individual Health Insurance are the purchasing entity, eligibility and underwriting criteria.
Group Insurance (also referred to as Corporate Health Insurance or Company Health Insurance) is procured by the employer for their employees. Individual Health Insurance is purchased by a person or family directly.

What is the minimum employee count for Group Health Insurance?

The minimum number of employees required for a group health insurance policy varies by insurance provider.

At LUMA we require a minimum of 3 employees to be eligible for our Group Health Solutions.

How much does a Health Insurance cost for a Company?

The cost of group health insurance for a company varies widely based on several factors:

Number of employees: Larger groups often get better rates per head.
Location: Geographical location impacts costs due to differences in healthcare providers and costs.
Plan type: The level of coverage chosen will affect the premium as well as zone of coverage and if deductible or copays are added to the plan.
Employee demographics: Age, health status, and family size of employees influence costs.
Insurance provider: Different insurers offer varying rates and coverage options.

Is there any SME package?

Yes, LUMA provides group health insurance solutions tailored for Small and Medium Enterprises (SMEs) in Asia.

Our plans are designed to accommodate evolving business needs while staying within budget.

Offer your employees valuable benefits to enhance retention, with coverage that grows alongside your business.

Is switching insurers complicated?

Not with LUMA. We handle the full migration process — including timeline coordination, employee onboarding sessions, and transition communications — to ensure your team has uninterrupted coverage.

Talk to Us About Your Group Coverage

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