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 Plans Highlights

Luma Global Care Health Insurance

LUMA Global Care

International Health Insurance for Discerning Global Residents.

LUMA Asia Care Plus International

International Health Insurance with medical cover up to 1 million USD.

Frequently Asked Questions about International Health Insurance

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 

Who can be covered?

Who can apply?

  • Adults between 18 and 70 years old.
  • Children under 18 can be included on a parent’s policy.
  • All nationalities are welcome to apply.

Important to note:

  • These international plans are currently only available to residents of specific Asian countries.
  • To be considered a resident, you must live in one of these countries for at least 185 days per year.

Resident countries include:

  • Bangladesh
  • Bhutan
  • Brunei
  • East Timor
  • India
  • Indonesia
  • Laos
  • Malaysia
  • Maldives
  • Myanmar
  • Nepal
  • Pakistan
  • Philippines
  • Sri Lanka

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.



Do you provide plans to expats only?

All nationalities are welcome to apply, only residence is considered for plan eligibility (at least 185 days in one of the following countries: Bangladesh, Bhutan, Brunei, East Timor, India, Indonesia, Laos, Malaysia, Maldives, Myanmar, Nepal, Pakistan, Philippines, Sri Lanka.)

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. 

Can I buy an international health insurance for less than a year?

LUMA international health insurance plans provide a yearly cover. For shorter terms, we recommend considering our travel insurance to Asia.

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