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Luma Covid Care (Individual Coronavirus Disease 2019 (Covid-19) Insurance Policy insured by Tune Protect) has been discontinued on April 29 2022, 7:00 pm. We apologize for any inconvenience caused. Policies purchased before that date are still valid under the terms and conditions of the policy.

Get coverage for Covid-19 hospitalization and Covid-19 vaccine side effects with Luma Covid Care

Compare Covid Insurance, buy online and get insurance for Covid infection and allergic reactions due to Covid vaccines.

Covid Insurance, Covid Care

Insured by
Tune Protect

CoveragePlan 1 LitePlan 1Plan 2Plan 3
Coverage for Covid-19 Infection
1. Coverage for coma state due to infection of COVID-19 250,000 THB500,000 THB750,000 THB750,000 THB
2. Coverage for medical treatment benefit due to infection of COVID-195,000 THB10,000 THB10,000 THB15,000 THB
Coverage for COVID-19 Vaccination
3. Coverage for coma state Due to the side effects of COVID-19 vaccination400,000 THB500,000 THB700,000 THB700,000 THB
4. Coverage for inpatient treatment Due to the side effects of COVID-19 vaccination90,000 THB90,000 THB100,000 THB120,000 THB
5. Coverage for daily compensation benefit in case of inpatient hospitalization due to the side effects of COVID-19 vaccination (14 days max)1,000 THB per day1,000 THB per day2,000 THB per day4,000 THB per day
Additional Services
6. Service of online Health2GO medical consultation allowed to be used 1 time during policy durationNoNoYesYes
INSURANCE PREMIUM (per year)1, 998 THB2,348 THB2,908 THB3,478 THB

Who can apply to Luma Covid Care?

Age

7 – 60 years old

Occupation

All except medical personnel, airport personnel and construction workers.

Nationality

Residents of Thailand (both Thai and foreigners) for at least 30 consecutive days 

Terms and Conditions for Luma Covid Care:
  1. 1. Applicants must be between 7 – 60 years old.
  2. 2. This plan is available to Thai nationals and foreigners currenlty residing in Thailand.
  3. 3. The insured must reside in Thailand for at least 30 consecutive days prior to the policy effective date.
  4. 4. One person cannot apply for more than one policy with Tune.
  5. 5. Applicants must be in good health without any disability nor congenital disease.
  6. 6. Applicants must meet all eligible criteria as specified by the terms and conditions specified by the insurance company.
  7. 7. The Insurer reserves the right not to accept applications from specific occupation including medical personnel (doctors, nurses, hospital personnel), airport/aircraft personnel (flight attendants, stewards, pilots, airport personnel) and construction workers working on oil rigs or any type of ships.
  8. 8. The insured must have no records of severe drug allergy to the extent of being hospitalized.
  9. 9. COVID-19 vaccines must be certified or approved by the Food and Drug Administration of Thailand.
  10. 10. Customers who are eligible to Health2GO services are Tune Protect Thailand policyholders who have opted for the specific insurance plan with Health2GO service. User is entitled to one session per policy period (in accordance with company policy) and can use the Health2GO service the next day after receiving the policy.
  11. 11. A waiting period of 14 days applies to this policy.
  12. 12. Applicants who recently recovered from Covid-19 are eligible to this policy, provided that they have been discharged from the hospital/clinic not less than 30 days before the policy start date.
Download Luma Covid Care Insurance Brochure
Luma Covid Care is not available anymore.
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Next steps

Covid Insurance, Covid Care

Get confirmation in 24h

Receive confirmation of the reception of your payment and application within 24h by email.

Covid Insurance policy

Receive your policy

Upon acceptation by the insurer, receive your Covid-19 insurance e-policy by email.

Covid Insurance, Covid Care

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Covid Insurance, Covid Care

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Covid Insurance, Covid Care

Frequently Asked Questions

Luma Covid Care is the commercial name of  the Individual Coronavirus Disease 2019 (Covid-19) Insurance Policy insured by Tune Protect. 

Please read details carefully before applying to and purchasing the insurance policy.


Free look period:
The policy holder has a 15 days free look period (from the day the policy is received) during which they have the right to cancel their policy, in accordance to the terms and conditions of their policy. The paid premium will be returned to the policy holder after deducting any claimed cost under the policy. 

Eligibility for Covid Insurance in Thailand

Any individuals residing in Thailand and aged between 7 and 60 years old can apply to this Covid insurance.

The insured must reside in Thailand for at least 30 consecutive days prior to the policy effective start date.

The insurer reserves the right not to accept insurance for special occupation groups such as medical personnel and airport/flight personnel.

Yes, foreigners residing in Thailand are eligible to this insurance plan.  

Medical personnel (ex: doctors, nurses, hospital staff, etc.) and airport personnel (ex: flight attendants, pilots, ground staff, etc.) are unfortunately not eligible to this insurance. 

Individuals who were previously infected with Covid-19 are still eligible to apply to Luma Covid Care after 30 days minimum of discharge from hospital or isolation. 

Terms and Conditions still apply.

Coverage of Covid Insurance 

This insurance is applicable in Thailand only.

A 14 days waiting period applies for Covid-19 infection. No waiting period applies for Covid-19 vaccination.

There is no limit in the number of doses received but there is a limit for the total covered amount, according to the terms and conditions of the policy.

No, you can receive the vaccines from any country. Please note only Covid-19 Vaccines that are certified or approved by the Food and Drug Administration of Thailand are concerned by this insurance.

If detected positive to Covid-19 and asymptomatic, while in Thailand, related medical expenses will be covered as per the terms and conditions of the insurance policy.

If detected positive to Covid-19 and asymptomatic, medically necessary medical treatments as prescribed by a Physician, will be covered as per the terms and conditions of the insurance policy.

Only RT-PCR test is accepted by the insurer to diagnose infection of Covid-19. 

Only RT-PCR test is accepted by the insurer to diagnose infection of Covid-19. If tested positive, the cost of the RT-PCR test can be claimed, under the terms and conditions of the insurance policy.

Claims 

1. Dowload the claim form.

2. Review the full list of required supporting documents

3. Send your original documents to the insurer by post at: 3199 Maleenont Tower, 14th Floor, Rama IV Road, Khlong Tan, Khlong toei Bangkok 10110 Thailand

Email: [email protected]

Tel ( For claim only): +662-078-5656 Contact claim department

Once complete documentation has been submitted regarding a claim, reimbursement will be done within 15 business days.

“Luma Covid Care” is the commercial name of the Individual Coronavirus Disease 2019 (Covid-19) Insurance Policy insured by Tune Protect.

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