Family Health Insurance in Thailand

Health Insurance for families living in Thailand with extensive coverage and health benefits.

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Living abroad in a country with a new language and contrasting customs can be daunting, however great the experience might be. The relocation can especially be stressful for expectant and parenting families who need to adjust to a new lifestyle, while securing a smooth transition for their children. In addition to that stress, cost of healthcare services in Thailand can sometimes come as a shock.

Ensuring you provide your loved ones with a comprehensive health insurance can go a long way toward reducing stress. LUMA aims to empower parents with quality medical insurance to cover who you value the most at top medical facilities across South East Asia.

Health Insurance Solutions for Families in Thailand

Why LUMA is the trusted choice for Family Health Insurance

Access to LUMA’s Medical Team and to top hospitals in Thailand and beyond

International Team based in Thailand at your service

Up to 20% discount for families of 4 members or more

Tailor-made Health Insurance to suit your family

Maternity Benefits

Covers Mommy throughout pregnancy and childbirth delivery at top hospitals in South East Asia*.

Covers Baby during first days following birth, including post-natal treatments*.

Pediatricians Visits

Children routine check ups with their paediatricians and treatments with specialised paediatricians*.

Vaccination Cover

Baby and child vaccinations and immunisation schedule*.

Vision Benefits

Vision care including eye examination and tests for all insured family members*.

Dental Benefits

Dental care with oral health care and dentistry services for all insured family members*.

*As per the terms and conditions of the insurance policy.

Exclusive In-House Medical Team at your service

They chose LUMA for their Family Health Insurance

We have been with Luma since our move to Bangkok 3 years ago (2 adults + 2 children). We have never had a bad experience with them and we find that they are very attentive whenever we had enquiries. Kudos to the Luma Team!

Luma took care of everything during my pregnancy, delivery and during the few first days until my baby got insurance on his own. Having a good health insurance during these special moments granted me the best experience.

My baby girl had to be admitted for two nights. Luma took care of everything without problems nor questions asked. Everything was sorted when it was time to leave and all we had to do was sign a few papers. It was a relief not having to worry about the stress of the bill. Very happy with this company, their rates and their coverage.

Frequently Asked Questions about Health Insurance for Families in Thailand

Why choose LUMA for your Family Health Insurance?

Our experienced team will offer you advice to select the best insurance option to meet your family needs. We will highlight what you need to look for as a family, including how to use benefits, manage your plan policy and how to claim among others.

LUMA grants access to top hospitals and doctors in Thailand and the region.

On top of a comprehensive care and additional discount for families (20% discount for families of 4+ members), LUMA members can enjoy LUMA Privileges.

Our team can offer multi-language consultation and support.

I am pregnant, can I enrol and enjoy maternity benefits?

Depending on the chosen health insurance plan, there is a waiting period of 10 to 12 months following the subscription to the maternity benefits, before related treatments can be covered.

Policy holders without maternity benefits who would like to add such benefits to their plan, will need to observe a waiting period from the date maternity benefits are added.

For policy holders with maternity benefits: If the pregnancy happens during the waiting period, maternity related treatments occurring after the waiting period, will be covered as per the terms and conditions of the insurance policy.

If I have any medical treatment outside Thailand, can I claim it under my insurance policy?

This depends on each policy terms and conditions. Please check your treatment coverage, and area of coverage to see whether the treatment done is covered or not.

Will maternity benefits be enough to cover all the visits to the doctor and childbirth delivery?

Pre-natal, delivery and post-natal treatments coverage will depend on the selected health insurance policy.

You can always check with your insurance consultant to know what is your exact coverage, in terms of treatments and limit.

Do maternity benefits cover complications during pregnancy or miscarriage?

Complications during pregnancy or miscarriage are covered for plan holders with maternity benefits after the waiting period is met, as per the terms and conditions of the policy.