International Health Insurance

Q: What is included in International Health Insurance?

Your coverage depends on your chosen plan. International health insurance plans offer a variety of options, but the core typically includes: Hospitalization: Covers costs for hospital stays, including room, board, and nursing care. Outpatient care: Covers medical services from doctors or other healthcare professionals. Plus, you can customize your plan with add-ons. Some insurers let you add benefits like: Dental and vision care: Coverage for checkups, cleanings, and other treatments. Wellness benefits: Preventive care like vaccinations or health checkups. Maternity benefits: Coverage for pregnancy care and childbirth. Remember, this is just a general idea. Always read the plan details carefully to understand exactly what’s covered.

International Health Insurance for residents of Asia, with a global coverage.

Contact LUMA and get a quote

International Health Insurance for expats

Ensure the peace of mind that comes with a premium health insurance plan. LUMA’s international health insurance solutions provide families and individuals living in Asia the coverage they need to be fully protected anywhere anytime, whether you wish for only the most essential inpatient care, or plans with high levels of comprehensive coverage.

LUMA Health Insurance Solutions

Expat Essential

Smart Access to Quality and Responsible Care.

Essential Coverage Options ranging from USD 100,000 to USD 500,000
Emergency medical evacuation and repatriation
Direct billing in the Essential Network with copay at designated hospitals

More about Expat Essential

Expat Exclusive

International Health Insurance for Expatriates in Asia

From 1 million USD to 1.6 million USD cover per year
International Cover
Medical Evacuation and Repatriation
Outpatient and Wellness Benefits available

More about Expat Exclusive

LUMA Global Care

International Medical Insurance combining Inpatient and Outpatient cover.

From 100,000 USD to 500,000 USD medical cover per year
Standard Private Room Paid in Full
Outpatient benefits included in all plans

More about LUMA Global Care

LUMA Asia Care Plus International

Comprehensive International Medical Insurance with high sum insured.

Up to 1.6 million USD medical cover per year
Cancer Treatment Paid in Full
Direct Billing / Cashless visits within LUMA's medical network
Medical Evacuation and Repatriation
International Cover

More about LUMA Asia Care Plus International

International Health Insurance in Asia

Explore our Health Solutions for Local Residents of Asia

LUMA also provide corporate health insurance solutions for companies in Asia, starting from 3 employees.

Frequently Asked Questions

What is International Health Insurance?

International health insurance is a type of medical coverage designed for people living outside their home country.

It provides access to quality healthcare services globally, covering both routine and emergency medical needs.

Key features of International Health Insurance:

Global Coverage
Choice of medical providers
Comprehensive medical cover
Additional benefits available (such as outpatient benefits, maternity, dental etc)

What is included in International Health Insurance?

Your coverage depends on your chosen plan.

International health insurance plans offer a variety of options, but the core typically includes:

Hospitalization: Covers costs for hospital stays, including room, board, and nursing care.
Outpatient care: Covers medical services from doctors or other healthcare professionals.

Plus, you can customize your plan with add-ons.

Some insurers let you add benefits like:

Dental and vision care: Coverage for checkups, cleanings, and other treatments.
Wellness benefits: Preventive care like vaccinations or health checkups.
Maternity benefits: Coverage for pregnancy care and childbirth.

Remember, this is just a general idea. Always read the plan details carefully to understand exactly what’s covered.

Is there any Direct Billing?

Yes, LUMA has the widest network of hospitals and clinics for cashless visits/treatments (also called direct billing) in South East Asia.

Consult our Medical Network for more.

How much does international health insurance cost?

The cost of an international health insurance varies depending on the following factors:

Age
Type of coverage (inpatient only or with outpatient care, add-ons of benefits, etc.)
Area of coverage (local, regional or global)
Deductible or co-pay options

To receive a quote based on your profile, scroll down to the end of this page to connect with our consultants

What is the area of cover?

You can choose between 3 areas of cover:

Zone A: worldwide excluding USA
Zone B: worldwide excluding USA, Canada, Switzerland, Israel, Japan, Hong Kong, Bahamas, China
Zone C: worldwide excluding USA, Canada, Switzerland, Israel, Japan, Hong Kong, Bahamas, China, Russia, United Kingdom, Singapore, Taiwan, Brazil

Note that LUMA international health insurance plans cover for medical emergencies and accidents worldwide (even outside the selected zone of coverage) up to the terms and conditions applied by the policy.

What are the payment options for international health insurance?

You may pay for your insurance premium by bank transfer or credit card, annually, quarterly or semi-annually. Please note a surcharge apply to installments. Contact us for more details.