Frequently Asked Questions

Luma Covid Care is the commercial name of  the Individual Coronavirus Disease 2019 (Covid-19) Insurance Policy insured by Tune Protect. 

Eligibility for Covid Insurance in Thailand

Any individuals residing in Thailand and aged between 7  – 60 years old can apply to this Covid insurance.

The insured must reside in Thailand for at least 30 consecutive days prior to the policy effective start date.

The insurer reserves the right not to accept insurance for special occupation groups such as medical personnel and airport/flight personnel.

Yes, foreigners residing in Thailand are eligible to this insurance plan.  

Medical personnel (ex: doctors, nurses, hospital staff, etc.) and airport personnel (ex: flight attendants, pilots, ground staff, etc.) are unfortunately not eligible to this insurance. 

Individuals who were previously infected with Covid-19 are still eligible to apply to Luma Covid Care after 30 days minimum of discharge from hospital or isolation. 

Terms and Conditions still apply.

Coverage of Covid Insurance 

This insurance is applicable in Thailand only.

A 14 days waiting period applies for Covid-19 infection. No waiting period applies for Covid-19 vaccination.

There is no limit in the number of doses received but there is a limit for the total covered amount, according to the terms and conditions of the policy.

No, you can receive the vaccines from any country. Please note only Covid-19 Vaccines that are certified or approved by the Food and Drug Administration of Thailand are concerned by this insurance.

If detected positive to Covid-19 and asymptomatic, while in Thailand, related medical expenses will be covered as per the terms and conditions of the insurance policy.

If detected positive to Covid-19 and asymptomatic, medically necessary medical treatments as prescribed by a Physician, will be covered as per the terms and conditions of the insurance policy.

Only RT-PCR test is accepted by the insurer to diagnose infection of Covid-19. 

Only RT-PCR test is accepted by the insurer to diagnose infection of Covid-19. If tested positive, the cost of the RT-PCR test can be claimed, under the terms and conditions of the insurance policy.

Claims 

1. Dowload the claim form.

2. Review the required supporting documents

3. Send your original documents to us by post or visit at our office 3199 Maleenont Tower, 14th Floor, Rama IV Road, Khlong Tan, Khlong toei Bangkok 10110 Thailand

Email: [email protected]

Tel ( For claim only): +662-078-5656 Contact claim department

Once complete documentation has been submitted regarding a claim, reimbursement will be done within 15 business days.