30+Years Experience in Insurance
46Subsidiaries across Vietnam
25+Prestigious industry awards
LUMA designs and distributes health insurance plans across Southeast Asia. In Vietnam, those plans are underwritten by Bao Long Insurance Corporation — meaning Bao Long carries the insurance risk and pays out approved claims. LUMA handles everything else: plan design, sales, member services, direct billing coordination, and access to the Medipro medical team.
We chose Bao Long because of their financial strength, regulatory standing, and three decades of experience in Vietnam’s non-life market. As Vietnam’s first joint-stock non-life insurer — publicly listed on UPCOM and regulated by the Ministry of Finance — they bring the institutional credibility that health insurance requires.
High-end health insurance for residents of Vietnam
Essential health insurance for young professionals in Vietnam
Comprehensive health insurance for Vietnam with international coverage
International health insurance with international coverage
High-end health insurance for individuals and families
International Health Insurance for Expatriates in Southeast Asia
International Health Insurance for Expatriates in Southeast Asia
Travel Insurance to Asia
Travel Insurance for trips departing from Southeast Asia
Claims are backed by Bao LongYour claims are backed by Bao Long — a regulated, publicly listed insurer with the financial strength to pay them.
We manage your plan end to end LUMA administers your policy, coordinates direct billing, handles pre-authorisations, and supports you throughout — from the moment you join to the moment you need care.
Medipro adds a medical layer Our in-house international doctors provide second opinions, hospital navigation, and medical guidance — a layer that goes beyond what most insurers offer.
Ministry of Finance — Vietnam Bao Long holds a valid insurance operating license issued by Vietnam’s Ministry of Finance. All health plans LUMA distributes in Vietnam operate under this license.
UPCOM listed — stock code BLI Publicly traded since December 2015, with audited financials and reporting obligations that provide an additional layer of transparency for policyholders.
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