Health Insurance in Asia

You can take out a plan if you live in LUMA’s primary area of coverage: Bangladesh, Bhutan, Brunei, Cambodia, East Timor, India, Indonesia, Laos, Malaysia, Maldives, Nepal, Pakistan, the Philippines, Sri Lanka, Thailand, or Vietnam.

It depends on the zone of coverage you choose when you take out your plan. Every plan covers you in your country of residence, and—depending on the zone you select—your cover can extend across Southeast Asia, Asia, or worldwide. The USA is excluded from every zone of coverage.

Yes. LUMA’s regional and international plans cover you across multiple countries under a single policy. If you move between countries in the region or travel often, your cover stays with you, so there is no need to buy a separate plan for each country.

Yes. Public hospitals in many countries are well resourced, but private hospitals usually mean shorter waits, English-speaking staff, higher room standards and access to leading specialists. With direct billing at private hospitals, LUMA lets you choose where you are treated.

LUMA offers direct billing at hospitals across the region. If you are treated outside the network but still within your zone of coverage, you pay first and submit a claim for reimbursement.