High cover
Health Insurance
in Thailand
with 5 million THB
protection

High cover
Health Insurance in Thailand
with 5 million THB protection

Hi5 Health Insurance
Hi5 Health Insurance
Hi5 Health Insurance

#1

5,000,000 THB
annual limit with high cover options for Inpatient Hospital Room.

#2

Privileged access to top private hospitals
with direct billing services.

#3

Premium made affordable
with deductible options to lower down the premium and family discounts up to 20%.

#4

Easy to pay
by bank transfer, Promptpay/QR Code, credit card or installment, without surcharge nor interest.

#5

More than just an insurance.

Hi5 health insurance

Health Insurance for the Newly Aware

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Health Insurance for Families

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Health Insurance for Soon-to-be-Parents

Hi5 health insurance

Health Insurance for Life Enthusiasts 

Your health in safe hands.

About LUMA Hi5 Health Insurance

Hi5 Plans

Inpatient benefits: 

  • Hi5 Plan 1 with 5,000,000 THB annual limit (5,000 THB Room And Board per day)
  • Hi5 Plan 2 with 5,000,000 THB annual limit (8,000 THB Room And Board per day)

Outpatient benefits (optional): 

  • Outpatient Option 1 (40,000 THB with 50% copayment per year)
  • Outpatient Option 2 (200,000 THB per year)

Dental Option:

  • Dental Option 1 (20,000 THB with 10% copayment per year)
  • Dental Option 2 (60,000 THB with 10% copayment per year)
  • Dental Option 3 (100,000 THB with 10% copayment per year) 

Maternity Option:

  • Maternity Option 2 (200,000 THB per year)
  • Maternity Option 3 (300,000 THB per year) 

Vision Option:

  • Vision Option 1 (10,000 THB per year)
Elligibility

Age: 0 – 70 years old (children under 6 years old must apply with at least one parent).

 

Nationality: Residents of Thailand (both Thai and foreigners) for at least 180 days per year.

 

Excluded Occupation: Medical professionals, professional athletes, policemen and other high-risk professions (non-exhaustive list).

Terms and Conditions

• Elective treatments are covered worldwide except in the following countries: USA, Canada, Switzerland, Israel, Japan, China, Hong Kong, Taiwan, Bahamas, Russia, UK, Singapore, Brazil.

• Pre-existing conditions are not covered.

• All applicants must fill out a medical questionnaire, some additional medical information may be requested.

• Waiting periods apply to certain benefits as per the terms and conditions of the insurance policy.

• Some occupations cannot apply to Hi5 such as (but not limited to): medical professionals, professional athletes, policemen and other high-risk professions.

 

General exclusions:

(This is a non exhaustive list, please refer to the original Policy Wording for full list of exclusions)

  1. 1. Injuries sustained during the commitment of a serious crime or while being arrested or evading capture.
    2. Injuries that occur while engaging in motor racing, boat racing, horse racing, ski racing (including Jet skis), skating competition, boxing, parachuting/skydiving, using or racing with a paramotor, gliding, boarding or descending or travelling in a hot air balloon, bungee jumping, diving with air tanks and underwater breathing equipment.
    3. War, invasion, acts on foreign enemies, war-like acts whether declared or not, civil war, revolution, insurrection, civil commontion, population rising against the government, riot, strike, coup, declaration of martial law; or any event which led to the declaration or upholding of martial law.
    4. Terrorism.
    5. Radiation or radioactive transmission from nuclear fuels or from any nuclear waste due to the combustion of nuclear fuel and from any form of nuclear disintegration.
    6. Injuries resulting from consequences of being under the influence of drugs or alcohol.

 

Free look period:
The policy holder has a 15 days free look period (from the day the policy is received) during which they have the right to cancel their policy, in accordance to the terms and conditions of their policy. The paid premium will be returned to the policy holder after deducting any claimed cost under the policy.

 

Applicants should study the terms and conditions of the insurance policy before purchasing.

 

“Hi5” is the marketing name for plans under the Health and Accident Insurance Luma Asia Care Personal Policy insured by Navakij Insurance. 

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Hi5 Health Insurance featured in Bangkok Post

LUMA offers access to superior healthcare via Hi5 Health Insurance plans, in partnership with Samitivej Hospital.

Enquire for LUMA Hi5 Health Insurance

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Hi5 Health Insurance, LUMA Hi5 Health Insurance for Comprehensive Coverage

This page is for informational purposes only and is not an insurance contract. “Hi5” is the marketing name for plans under the Health and Accident Insurance Luma Asia Care Personal Policy insured by Navakij Insurance.
Full details of coverage and exclusions are specified in the insurance Policy Wording.