International Health Insurance in Thailand up to 50 million THB protection

Protection
Comprehensive health cover including all types of cancer, Covid-19 and other pandemics.

Renewal
Guaranteed renewal until 99 years old.

International
Worldwide coverage including for planned treatments abroad and emergencies while travelling.

Medical
Coverage up to 50m THB per year with high IPD room per day and not limited to Standard Room.

Experienced
Serviced by an International Team featuring a dedicated in-house medical team and a customer service team that is always there for you.

LUMA PRIME Health Insurance Plans

Plan 1

10,000,000 THB

Annual Limit

Room and Board: 
12,000 THB per day 

ICU Room and Board:
Paid in Full

Medical service fees:
Paid in Full

Attending medical professional fee:
Paid in Full

Medical expenses for surgery:
Paid in Full

Major surgery:
Paid in Full

Cancer Treatment:
Paid in Full

Ambulance:
Paid in Full

Reconstructive surgery following accident:
Paid in Full

Pre and Post medical expenses related to an inpatient stay within 45 days before and after:
30,000 THB per policy year

 

Outpatient medical expenses in case of injury within 24h from an accident:
Paid in Full

 

Rehabilitation Expenses after an inpatient stay:
Paid in Full up to 10 days per policy year

 

Kidney Dialysis:
200,000 THB per policy year

 

Minor surgery:
Paid in Full

 

Parent Accommodation:
1,500 THB per day up to 30 days per policy year

 

Nursing care at home:
15,000 THB per policy year

 

Day care treatment:
Paid in Full

 

Treatment of infectious diseases (HIV) and immunodeficiency (AIDS):
100,000 THB per policy year

 

Congenital abnormalities:
100,000 THB per policy year

 

Wheelchair or crutches
10,000 THB per policy year

Worldwide coverage in case of accident or unforeseen medical emergencies outside the area of coverage.
THB 2,500,000 per policy year (up to 90 days per trip, maximum 180 days per policy year)

Plan 2

30,000,000 THB

Annual Limit

Room and Board: 
15,000 THB per day 

ICU Room and Board:
Paid in Full

Medical service fees:
Paid in Full

Attending medical professional fee:
Paid in Full

Medical expenses for surgery:
Paid in Full

Major surgery:
Paid in Full

Cancer Treatment:
Paid in Full

Ambulance:
Paid in Full

Reconstructive surgery following accident:
Paid in Full

Psychiatric Treatment in hospital :
Paid in Full up to 15 days per policy year

Pre and Post medical expenses related to an inpatient stay within 45 days before and after:
50,000 THB per policy year

 

Outpatient medical expenses in case of injury within 24h from an accident:
Paid in Full

 

Rehabilitation Expenses after an inpatient stay:
Paid in Full up to 30 days per policy year

 

Kidney Dialysis:
1,500,000 THB per policy year

 

Minor surgery:
Paid in Full

 

Parent Accommodation:
1,500 THB per day up to 30 days per policy year

 

Nursing care at home:
30,000 THB per policy year

 

Day care treatment:
Paid in Full

 

Treatment of infectious diseases (HIV) and immunodeficiency (AIDS):
500,000 THB per policy year

 

Congenital abnormalities:
300,000 THB per policy year

 

Wheelchair or crutches
30,000 THB per policy year

Worldwide coverage in case of accident or unforeseen medical emergencies outside the area of coverage.
THB 7,500,000 per policy year (up to 90 days per trip, maximum 180 days per policy year)

Plan 3

50,000,000 THB

Annual Limit

Room and Board: 
20,000 THB per day

ICU Room and Board:
Paid in Full

Medical service fees:
Paid in Full

Attending medical professional fee:
Paid in Full

Medical expenses for surgery:
Paid in Full

Major surgery:
Paid in Full

Cancer Treatment:
Paid in Full

Ambulance:
Paid in Full

Reconstructive surgery following accident:
Paid in Full

Psychiatric Treatment in hospital :
Paid in Full up to 20 days per policy year

Pre and Post medical expenses related to an inpatient stay within 45 days before and after:
100,000 THB per policy year

 

Outpatient medical expenses in case of injury within 24h from an accident:
Paid in Full

 

Rehabilitation Expenses after an inpatient stay:
Paid in Full up to 30 days per policy year

 

Kidney Dialysis:
2,000,000 THB per policy year

 

Minor surgery:
Paid in Full

 

Parent Accommodation:
1,500 THB per day up to 30 days per policy year

 

Nursing care at home:
30,000 THB per policy year

 

Day care treatment:
Paid in Full

 

Treatment of infectious diseases (HIV) and immunodeficiency (AIDS):
500,000 THB per policy year

 

Congenital abnormalities:
600,000 THB per policy year

 

Wheelchair or crutches
50,000 THB per policy year

Worldwide coverage in case of accident or unforeseen medical emergencies outside the area of coverage.
THB 8,000,000 per policy year (up to 90 days per trip, maximum 180 days per policy year)

Optional Modules

opd insurance

Outpatient

dental insurance

Dental

maternity insurance

Maternity

vision insurance

Vision

International Coverage Health Insurance

Choose your Zone of Coverage for elective treatments*

You may choose to have your planned treatments in any of the countries listed in your chosen zone.

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

Essential Worldwide Coverage Included*

* coverage for medical emergencies outside the zone of coverage and according to the terms and conditions of the policy.

Worldwide coverage in case of accident or unforeseen medical emergencies outside the area of coverage.

(up to 90 days per trip, maximum 180 days per policy year)

About LUMA PRIME Health Insurance

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 PRIME 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.

“PRIME” 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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Prime Health Insurance, LUMA Prime Exclusive Health Insurance

This page is for informational purposes only and is not an insurance contract. “PRIME” 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.