Privileged access to top private hospitals
with direct billing services.
Premium made affordable
with deductible options to lower down the premium and family discounts up to 20%.
Easy to pay
by ban transfer, Promptpay/QR Code, credit card or installment, without surcharge nor interest.
More than just an insurance.
Insurance with a heart with Luma.
|Benefits Highlights||Plan 1||Plan 2|
|Annual Limit||5,000,000 THB||5,000,000 THB|
|Hospital Room & Board||5,000 THB||8,000 THB|
|Intensive Care Unit (ICU)|
|Emergency treatment within 24h following an accident|
|Rehabilitation expenses after an inpatient stay per admission|
|Reconstructive surgery following accident|
|Worldwide emergency coverage||THB 1,250,000 per trip up to 90 days (180 days per year max)||THB 1,250,000 per trip up to 90 days (180 days per year max)|
• 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.
(This is a non exhaustive list, please refer to the original Policy Wording for full list of exclusions)
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.
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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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.