Get coverage for Covid-19 infection 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-19 500,000 THB500,000 THB1,000,000 THB1,000,000 THB
2. Coverage for medical treatment benefit due to infection of COVID-1950,000 THB100,000 THB150,000 THB200,000 THB
3. Benefit paid upon diagnosis of infection of COVID-19 1,000 THB2,000 THB3,000 THB3,000 THB
Coverage for COVID-19 Vaccination
4. Coverage for coma state Due to the side effects of COVID-19 vaccination100,000 THB100,000 THB500,000 THB1,000,000 THB
5. Coverage for inpatient treatment Due to the side effects of COVID-19 vaccination150,000 THB150,000 THB150,000 THB150,000 THB
6. 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
Coverage for Accidents
7. Benefit in case of Loss of Life, Dismemberment or Total Permanent Disability due to general accidents150,000 THB150,000 THB150,000 THB150,000 THB
Additional Services
8. Service of online Health2GO medical consultation allowed to be used 1 time during policy durationNoNoYesYes
INSURANCE PREMIUM (per year)1,999 THB2,999 THB3,999 THB4,999 THB

Who can apply to Luma Covid Care?

Age

1 month old – 80 years old

Occupation

All except medical personnel and airport personnel

Nationality

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

Terms and Conditions for Luma Covid Care:
  1. 1. Insured aged between 1 month – 80 years old.
  2. 2. For the insured having Thai nationality or Expats who are current residents of Thailand.
  3. 3. The insured must reside in Thailand for at least 30 days consecutively prior to the policy effective date.
  4. 4. The maximum of one policy is permitted for each insured person.
  5. 5. The insured must have the strong health without any disability and congenital disease.
  6. 6. The applicant must meet the criteria for consideration according to the conditions specified by the insurance company.
  7. 7. The Company reserves the right not to accept insurance for special occupational groups including medical personnel (doctors, nurses, hospital staffs) and the employees performing the duties in the airport, flight attendants, stewards, and pilots.
  8. 8. The insured must not have the record 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 will be eligible for Health2GO 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). You can use the Health2GO service the next day after receiving the policy.

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

Luma Covid Care

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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

Who can apply to this Covid insurance?

Any individuals residing in Thailand and aged between 1 month old and 80 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.

I am a foreigner in Thailand, can I still apply to this Covid Insurance?

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

What occupation do not have access to this Covid insurance?

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. 

I had Covid in the past, am I still eligible to Luma Covid Care plans?

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 

What is the area of coverage of this Covid Insurance?

This insurance is applicable in Thailand only.

Is there any waiting period?

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

How many vaccine doses are covered?

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.

Do the vaccines need to be received in Thailand?

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.

Are Covid-19 asymptomatic positive cases covered?

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.

Are Hospital costs for Covid-19 asymptomatic positive cases covered?

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.

What kind of Covid-19 test is accepted to claim for Infection of Covid-19?

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

If tested positive to Covid-19, is the test reimbursed by Luma Covid Care?

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 

How do I claim?

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

How long does it take to be reimbursed after a claim has been accepted?

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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