Designed to take you from a day in the office to weekends riding through Siem Reap. With Luma, you can rest easy knowing you are taking care of your health and preparing for the unexpected. Covering you across Cambodia, we offer a fuss-free experience that allows you to get on with the hustle and bustle in the big cities like Phnom Penh to a day trip down the Tonlé Sap. Keep your mind at ease knowing you can focus on the things that matter most to you in life, and we’ll take care of the rest.

We offer the solutions to specifically cater to your needs. Our health care solutions and plans are suitable for both medical insurance for expats in Cambodia and locals looking for family health insurance in Cambodia. If you’re an expat looking for medical insurance for foreigners in Cambodia, or a frequent traveler looking for health insurance in Cambodia, we have worldwide coverage for accidents and medical emergencies, as well as free choice of medical provider – so you can relax and live life without worry.


Benefits include:
Plan 1
Essential Care
Plan 2
Balance Care
Plan 3
Superior Care
Plan 4
Premium Care
Plan 5
Platinum Care
Annual Limit1,000,000 USD1,000,000 USD1,000,000 USD1,600,000 USD1,600,000 USD
In-Patient / Hospitalization
CancerIn & Out PatientIn & Out PatientIn & Out PatientIn & Out PatientIn & Out Patient
Out-PatientUp to 6,000 USDUp to 6,000 USDUp to 6,000 USD
Routine Health Check UpUp to 200 USDUp to 200 USDUp to 200 USDUp to 500 USD
DentalUp to 1,000 USDUp to 2,500 USDUp to 2,500 USD
MaternityUp to 2,500 USDUp to 4,000 USDUp to 8,000 USD
VisionUp to 200 USDUp to 500 USDUp to 500 USD
Worldwide Emergencies
Chronic Medical Conditions
Medical Evacuation

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