LUMA’s mission is to ensure our members live healthier, longer lives by providing them brilliantly simple health insurance plans.
We provide a range of simple, smart policies to global residents, expatriates,local nationals and groups of all sizes.
Exploding medical costs are the core issue for rising premium levels. By helping our members actively improve their health with prevention advice, the burden of rising premium levels can be lightened.
You deserve to live your life to the fullest, with fewer boundaries. LUMA enables you to do just that. We take steps to actively improve your health because we care about your wellbeing.
At LUMA, we continuously adopt new innovations to make health insurance easy to understand and easy to use.
Here's what LUMA offers our valued member
From plans with lifetime renewal guarantees to policies for small business employees, LUMA’s range of health insurance options provide you complete peace of mind.
Our policies are designed to be simple and clear, and we assure you there are no catches or deceitful surprises in any of our plans. We put our customers first. Whether you’re an individual, family or SME, our friendly staff are a quick phone call away, happy to answer your questions.
We understand that purchasing group insurance is a big decision. As this is a major investment in your company and staff, it’s vital you understand your employees benefits and can customize plans according to your unique needs.
At LUMA, we provide you all this and more. From small SMEs to Fortune 500 companies, we serve a range of quality clients-providing them tailor made plans adapted to their specific requirements. We can even cover staff located in different countries.
From the moment you setup your plan throughout its duration, our experts are with you every step of the way. To ensure your questions and concerns are answered, our dedicated account managers are available to meet you and your employees at your request.
Once your plan is implemented, our comprehensive reporting reveals how your program is utilized. You can then review it with our employee benefit experts to ensure you get the best group coverage at the best possible price.
Our in-house doctors can assess your case on demand, will offer guidance and support and if required may suggest a second opinion with relevant specialists.
What’s more, we also provide recommendations for the best inpatient and outpatient medical facilities, because your health is our priority.
Paying for your medical expenses upfront is stressful. Not only is it costly, but it can also be complicated and time consuming, as you’re often required to fill out extra paperwork and deal with the tedious back and forth between you and your insurance provider.
Members visiting a medical facility in our selective preferred network will be guaranteed a seamless service. Locate medical facilities which offer out-patient direct billing, in-patient direct billing – or both. If a medical facility you’re looking for is not on the list, contact our customer service team to find out if the medical facility is in our network.
From the moment you setup your plan throughout its duration, our experts are with you every step of the way. To ensure your questions and concerns are answered, our dedicated account managers are available to meet you and your employees at your request.
Once your plan is implemented, our comprehensive reporting reveals how your program is utilized. You can then review it with our employee benefit experts to ensure you get the best group coverage at the best possible price.
Managing your plan has never be easier. With LUMA’s secure online service portal and mobile application, you can submit claims directly from your smartphone. What’s more, if you’ve ever experienced the panic of forgetting your insurance card our mobile app virtual card ensures it’s handy for every doctor visit.
We speak your language. Whether your native tongue is French, German, Thai, Burmese, Vietnamese or English, our goal is to understand and fulfill your needs. When you choose LUMA, you can expect multi-language support from our locally based, experienced multicultural teams.
All LUMA insurance plans are underwritten by well-established global insurers. With LUMA, you never have to worry about your policy’s long term financial security.
LUMA’s critical IT Infrastructure is hosted on ISO 27001 compliant facilities providing data security and protection in a holistic and comprehensive manner. Moreover, IT services and applications are enhanced and tested by third party entities to validate stringent security and resiliency parameters.
LUMA strives to achieve IT Operation excellence in cyber defense that enables it to prepare, protect, detect and respond to cybersecurity risks in an efficient manner.
Membership comes with perks. As a LUMA member, you’ll enjoy a wide range of exclusive privileges from our partners, which include world-class hospitals and wellness brands.
Our values are the cornerstone of our business. They distinguish us as a health insurance provider and ensure
we always provide our members the best service possible
We strive to honor our relationship with members by alway granting them fairness and integrity. We treat you the same way we like to be treated.
We listen to our members and provide them the personal attention they deserve. We understand the importance of your health, and we aim to improve yours to the best of our ability.
Our goal is to be an active partner in your health, and our staff go above and beyond to ensure your satisfaction and provide you an effortless experience.
We are there for you when you need us. You can count on our team to answer your questions, assist you, and be a proactive partner in improving your health.
Whether you are an expat or local, an individual or business owner, our diverse staff can speak your language and understand your specific health insurance needs.
Lighting the way for reliable health insurance service
Our multi-disciplinary staff of expat and local health insurance specialists come from a variety of backgrounds, have global experience and are ready to serve you wherever you are in the world.
