Asia Care Plus health insurance plans cover medical expenses at Thailand’s elite hospitals with little to no out-of-pocket expenses. And for expats, planned treatments in your home country are also covered under this plan, ensuring you have plenty of treatment options and feel comfortable with any medical care you receive.

Benefits of Asia Care Plus Thailand:

* Benefits according to the terms and conditions of the insurance policy.



18 – 70 years old

Children below 18 years old must apply with a parent


All nationalities


Applicant must reside in Thailand for at least 185 days per year

Ensure brighter and better health with Luma Asia Care Plus Thailand

Plan 1
Essential Care
Plan 2
Balance Care
Plan 3
Superior Care
Plan 4
Premium Care
Annual Limit32,000,000 THB32,000,000 THB32,000,000 THB32,000,000 THB
In-Patient / Hospitalization
CancerIn & Out PatientIn & Out PatientIn & Out PatientIn & Out Patient
Out-PatientUp to 32,000 THBUp to 192,000 THBUp to 192,000 THB
Routine Health Check UpUp to 6,400 THB
DentalUp to 32,000 THB
MaternityUp to 80,000 THB
VisionUp to 6,400 THB
Worldwide Emergencies
Chronic Medical Conditions
Medical Evacuation
Deductible (Optional)

The health care benefits of Asia Care Plus Thailand are insured by The Navakij Insurance Public Company Limited.


All Asia Care Plus health insurance plans offer comprehensive coverage for unexpected incidents including critical illnesses such as cancer, heart attack, kidney failure, coronary artery- bypass surgery and organ transplant services.


As a Luma member you can benefit from direct billing – meaning no cash advance is required for both inpatient and outpatient treatments when visiting a hospital in our preferred medical network.

Luma’s headquarters are located in the  very center of Bangkok. Our team can offer multi-language consultation and support to help you select the best insurance in Thailand and throughout your insured life with us. 

All our members can enjoy a brighter lifestyle with our exclusive Luma Privileges Program.

Asia Care Plus health insurance plans provide you the reassurance of lifetime renewal guarantees. Regardless of the presence of any new medical conditions, acute or chronic, you can always renew your policy. What’s more, no matter what your age, you’ll be able to renew your policy at the same rate as others in your age group, regardless of how many claims you’ve made in the previous year.

Luma members can claim in 3 ways:

  • – Via our Luma Care App 
  • – Online via our website
  • – Via the post

See all details on our Luma Claim page

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