Expat Exclusive

International Health Insurance
for Expatriates in Southeast Asia

Perfectly Curated for Your Expat Life

Expat Exclusive is crafted for the unique needs of expatriates, combining premium healthcare coverage, a wide medical network, and personalized support from LUMA’s international team in Southeast Asia. Whether you are a professional, family, or long-term resident abroad, you’ll enjoy peace of mind with protection that moves with you.

International families seeking reliable healthcare for life’s big and small events

Professionals living abroad who want trusted, premium coverage without borders

Long-term foreign residents who value enduring protection and the freedom to fully enjoy life abroad

Globally active travelers who appreciate effortless, seamless care across Southeast Asia

Expat Exclusive Plans Overview

Day 1 Coverage: Immediate protection from policy start date.
Worldwide Emergency Cover: Accidents and unforeseen emergencies, even outside your chosen zone.
Lifetime Renewability: Guaranteed, regardless of age or health changes.
Cashless Treatment: Direct billing at LUMA partner hospitals and clinics.
LUMA Care App: Digital card, claims tracking, and benefits access on the go.

Coverage	Plan 1 Essential	Plan 2 Smart	Plan 3 Superior	Plan 4 Signature
Inpatient Coverage	$1,000,000	$1,600,000	$1,600,000	$1,600,000
Cancer Coverage
Medical Evacuation & Repatriation
Outpatient Coverage	-	-	$6,000	Up to annual limit
Health Checkup	-	-
Dental Coverage	-	-	-
Vision Care	-	-	-
Maternity Coverage	-	-	-

Zone of Coverage

Choose the zone of coverage that fits your lifestyle:

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

Worldwide Emergency Cover:
Even outside your chosen zone, you’re covered worldwide for accidents and unforeseen medical emergencies during trips (up to 60 days per trip, not more than 180 days per year, limited to USD 250,000/year).

Eligibility

Applicants must reside in one or more of these countries for at least 185 days per year: Bangladesh, Bhutan, Brunei, East Timor, India, Indonesia, Malaysia, Maldives, Nepal, Pakistan, Philippines, Thailand, or Sri Lanka.
These insurance plans are specifically designed for expatriates living outside their country of nationality. They are not available to individuals seeking coverage while residing in their home country.
Eligibility is subject to residency status and other applicable terms and conditions.
Available to applicants aged up to 70 years old. Children under 18 must apply with at least one parent.
Subject to Full Medical Underwriting and insurer acceptance.

Your Plan Documents

Benefits

Policy Wording