Guide for Covid-19 in Thailand, Vietnam, Cambodia and Myanmar

These are challenging times due to the outbreak of the coronavirus disease (COVID-19).

At Luma, we put the health and well-being of our members & communities first. Therefore, we have created The Guide for COVID-19 to give useful information to expats and locals in Thailand, Cambodia, Vietnam and Myanmar.

What is Coronavirus Disease (COVID-19)?

According to the World Health Organization (WHO), Coronavirus disease (COVID-19) is an infectious disease which is caused by a new virus. We know so far that it causes respiratory illness like the flu with symptoms such as cough, fever and shortness of breath.

Severe Acute Respiratory Syndrome (SARS-CoV), Middle East Respiratory Syndrome Coronavirus (MERS-CoV) and COVID-19 are all respiratory illnesses that are caused by the same large family of viruses called coronavirus.


General Symptoms of Infected Patients

People infected with COVID-19 experience mild or no symptoms while others experience severe symptoms. Signs of infection include:

  • Fever
  • Cough
  • Shortness of breath
  • Breathing difficulty
  • In severe cases, pneumonia, severe acute respiratory syndrome, kidney failure, and death can occur

Patients with COVID-19 may suffer complications, especially those with congenital heart disease, lung-related diseases, and kidney-related diseases. Those who are over 60 years old, those who have weak immune system, children under 2 years old, and pregnant women are also in the at-risk group.


How to Stay Safe from COVID-19

Apart from working from home and doing self-quarantine, you can also protect yourself and help prevent the spread of the virus to others by following WHO’s basic preventive measures against the COVID-19 as follows:

  • Wash your hands regularly for 20 seconds with soap and water and alcohol-based hand sanitizer
  • Cover your nose and mouth with tissue paper or a flexed elbow when you cough or sneeze
  • Avoid close contact (1 meter or 3 feet) with people who are unwell
  • Avoid touching your eyes, nose and mouth with your unclean hands
  • Clean objects or surfaces that you frequently touch
  • If you have a flu or showing flu-like symptoms, wear a mask, and go see a doctor





Frequently-asked Questions (FAQs) and What to Do:

Q: When do you need to be tested for Covid-19?

Here are some indications to determine if you need to get tested for COVID-19.

  • If you have no symptoms, you had no contact with Covid-19 patients, and you have not travelled to high-risk areas: Stay home
  • If you have no symptoms but you had contact with Covid-19 patients, or you returned from risk areas: you need to stay home, 14-days self-quarantine and check your health.
  • If you show mild symptoms, you had no contact with Covid-19 patients, and you have not travelled to high-risk areas: you need to stay home, 14-days self-quarantine and check your health.
  • If you have mild symptoms and you had contact with Covid-19 patients, or you returned from risk areas, you need to be tested.
  • If you have high fever, cough, shortness of breath, and fatigue, you need to be tested.
  • If you have fever, cough, runny nose, sore throat, shortness of breath, fatigue, and you are older than 60 with congenital diseases, acute chest pain and unconsciousness, you need to be tested.



Q: If I want to get tested for Covid-19, which hospital do I have to go to?

You may go to the hospital, which you have used in the past; where you have a good level of confidence.

A doctor at this hospital will evaluate your condition and risk of exposure and will suggest whether or not you need to get tested. However, most hospitals will not have the test kits locally but will extract your blood and send it to one of the authorized laboratories to be tested.


Q: What coverage is provided by Luma Health Insurance (Asia Care Plus) for Covid-19 Infection?

For any claims received relating to the Coronavirus (COVID-19), under the medical benefits of LUMA ASIA CARE INSURANCE, the insurer will pay for the treatment of anyone confirmed to have the virus and also the initial necessary treatment of someone with viral infection symptoms who subsequently was issued the all clear for the coronavirus. The insurer will pay all necessary treatment as would be covered for any other patient with a viral infection.

All claims are based on LUMA ASIA CARE INSURANCE, Terms & Conditions, exclusions, and details in the benefit table.

Where an Insured Member is Quarantined with no symptoms or treatment, the insurer does not provide any benefits as this is not a medical claim.


Q: How does the coverage for Covid 19 work if I’m outside of my primary area of coverage (Luma Asia Care Policy Members)?

The insurer will cover medical emergencies for trips up to 60 days (not more than 180 days per year and in the limit of $250,000 per year) – therefore if your condition requires emergency admission and it is a medically necessary, it would be covered under the plan.


Q: What happens if I’m tested positive? Where do I have to go?

Each country has different procedures as of 30 March 2020 as follows:

  • Cambodia: If the test is positive, the Cambodian Ministry of Health has designated three hospitals in Phnom Penh (Khmer-Soviet Friendship Hospital, National Pediatric Hospital, and Kantha Bopha Hospital) and 25 Provincial Referral Hospitals as medical facilities that can order a test for, and treat, suspected cases of COVID-19.
    For the family members will need to be self-isolated and self-monitored at home for 14 days. If any suspected symptoms, will have to follow above flow.
  • Thailand: If tested positive the hospital where you got tested will inform the Ministry of Public Health in 3 (three) hours and you have to be admitted to either Bamrasnadura Infectious Diseases Institute or a hospital of your choice.
  • Vietnam: All the positive of Covid-19 are under special care and treatment following MOH (Minister of Health)’s instruction, it’s covered by government in local hospitals


Q: If I am infected/admitted with Covid-19 what happens to my family/room mate?

Each country has different procedures as of 30 March 2020 as follows:

  • Cambodia: The family members will need to be self-isolated and self-monitored at home for 14 days. If any suspected symptoms, they will have to follow above flow.
  • Thailand: If the family members don’t show any symptoms or show only mild symptoms, they need to stay at home in self-quarantine for 14 days. If symptoms such as high fever and/or shortness of breath, they need to be tested.
  • Vietnam: All suspected family members will be put in quarantine in the public areas under the care of the Vietnam’s army.


Q: What are current restrictions on travel to/from and within Thailand and Cambodia,?

Each country has restrictions on travel as of 30 March 2020 as follows:

  • Cambodia: Any foreigner wishing to travel to Cambodia must obtain a prior visa from Cambodian missions abroad. He/she must provide a medical certificate issued by competent health authorities of his/her country no more than 72 hours prior to the date of travel, certifying that he/she is not tested positive for COVID-19.In addition, he/she must provide proof of his/her insurance policy that shows minimum medical coverage during his/her intended stay in Cambodia in the amount not less than USD 50,000.The requirements for medical certificate and insurance do not apply for any foreigner holding diplomatic visa (Visa A) or official visa (Visa B) of Cambodia.Upon entry to Cambodia, any foreigner will be subjected to a health risk assessment and screened by competent government officers before he/she is allowed to enter into the country. He/she will be subjected to a mandatory isolation, quarantine or any other measures for the prevention and containment of this virus as prescribed by the MOH of Cambodia. Source: “Ministry of Foreign Affairs and International Cooperation/Kingdom of Cambodia 27/03/2020”
  • Thailand: Please look at the Indication from The Civil Aviation Authorithy of Thailand. 26/03/2020.


Q: Does Luma apply any waiting period for Covid-19 on new application?

We do not currently apply any waiting period for Covid-19 coverage on new application. But please note that we would not cover any treatment or hospitalization of Covid-19 if it is a pre-existing condition of your policy.


Q: Are expats accepted by government hospitals for test and treatment for Covid-19? Does the government pay for medical expenses? (Thailand)?

Thailand: The expats are accepted by government hospitals but they have to self pay in most cases. The hospitals have to report all Covid-19 positive to CDC.


Q: If a patient has to be admitted to a private hospital for Covid-19 treatment, will the government pay for medical expenses?

Thailand: The government will not pay medical expenses of foreigners. Foreigners need either a health insurance cover or self-pay their bills. Thai citizens are covered under Gold Card or Social Security.


Q: Is there a phone number for Emergency that I can call?

All countries have emergency numbers that you can use to get help when needed as follows: 

  • Thailand: HOTLINE of Office of International Cooperation (OIC) under the Department of Disease Control (DDC) – regarding Covid-19:
    • For foreigner only +66 (0) 96-847-8209
    • For Thai citizens call 1422 – from 8 am to 8 pm.
  • Vietnam: HOTLINE: 1900-9095 or 1900 – 3228
    • Call the hotline above if you have any symptoms of Covid-19.
  • Cambodia: For emergency call 115.
  • Myanmar:
    • Yangon Regional Department of Public Health (+959 449001261, +959 794510057)
    • Mandalay Regional Department of Public Health (+959 2000344, +959 43099526)
    • Yangon Airport Health Quarantine Unit (+959 799983833)
    • Myanmar: Public Health Emergency Operation Center (+95 067 3420268)

The Guide for COVID-19 and FAQs does not intend to substitute for professional medical advice, diagnosis or treatment. If you have further questions regarding medical condition, you are encouraged to seek advice from your physician or qualified health professional. And if you need health insurance, fill in the form below to get a quote and our insurance consultant will get back to you in 24 hours.

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