LUMA Health Insurance in Cambodia

Yes, private health insurance is highly recommended for expats in Cambodia. Here are the key reasons:

• Access to Quality Healthcare in Cambodia: Private hospitals are often favored due to their advanced infrastructure and multilingual staff. However, accessing these private facilities can be more costly than local options, making private health insurance essential for securing access.

• International Coverage: Private health insurance typically offers international or regional coverage, enabling you to seek medical treatment in neighboring countries with advanced facilities or specialist care.

• Financial Protection: Health insurance acts as a financial safety net by covering unexpected medical expenses, sparing you from potentially crippling bills.

• Peace of Mind: Living abroad can be unpredictable; health insurance offers peace of mind for unexpected events.

In summary, as an expat in Cambodia, private health insurance is a smart choice. It grants access to quality care, financial security, and peace of mind. 

LUMA Health Insurance offers coverage beyond Cambodia, extending to other Southeast Asian countries. The specific coverage area depends on the chosen plan and may require additional premiums for wider zones. It’s essential to review your policy details to understand the extent of your coverage.

While Cambodia’s private healthcare system is continuously improving and offers excellent facilities, some specialized treatments or procedures may not be readily available within the country. In such cases, your policy may cover treatment in neighboring countries like Thailand.

For personalized guidance and to understand your specific coverage options, we encourage you to contact our Customer Service team.

LUMA is an insurance solutions provider operating in Cambodia. Our health insurance plans are underwritten by CVI (Cambodia Vietnamese Insurance).

Our plans are available to foreign expats in Cambodia, as well as Cambodian citizens. 

LUMA Health Insurance Plans are available to everyone residing in Cambodia, regardless of their nationality. Expats and Cambodian citizens alike can find comprehensive medical coverage with our solutions.

To qualify for coverage:

• You must be under 70 years old.
• You must be a resident of Cambodia (living in the country for at least 185 days per year).
• Children under 18 must be included on a policy with at least one parent.

All applicants must fill out a medical questionnaire. In some cases, we may request additional medical information to assess your profile. 

LUMA has Direct Billing agreement with top hospitals and clinics in Cambodia. Among them, Khema Clinics and the Royal Phnom Penh Hospital.

Members can simply present their member cards upon admission allowing the hospital to coordinate with LUMA to confirm the coverage and for the billing. 

Beyond Cambodia, LUMA has the largest Direct Billing Network in South East Asia for both Inpatient and Outpatient treatments. 

Pre-existing conditions are usually not covered by insurers. Our current range of health insurance solutions unfortunately follows the same rule and do not cover pre-existing conditions.

Any conditions or symptoms existing before starting a plan would be considered as pre-existing. However, pre-existing conditions may be exceptionally covered if they are fully declared and accepted by the insurer.

Your health coverage begins on the first day your insurance policy is accepted.

Waiting periods may apply to certain benefits, as outlined in your policy’s terms and conditions. This means that coverage for specific benefits may not be immediate. Please review your policy to understand which benefits have waiting periods.

For LUMA Health Insurance plans, any applicable waiting periods apply only during the first policy year and do not reset upon policy renewal.

Yes, all our health insurance plans are guaranteed renewable regardless of your age or state of health. 

You may add to your policy:

• Spouse – must be legally married, in civil partnership or permanently living in a similar relationship with the eligible member.
• Dependent children – including the eligible member’s own children, legally adopted children, step-children, foster children and any other child who depends on the sole support of the eligible member. Eligible dependent children must also live with the eligible member in a customary parent-child relationship.

Conditions of age for all dependent children:

• Children under the age of 18 must be unmarried.
• Children between the age of 18 and 24 must be unmarried, in full time education, and depend solely upon the eligible
  member’s expatriate’s support.
• Newborn children must be enrolled within 25 days after the date of birth.

All dependents will be subject to Full Medical Underwriting and acceptance into the policy.