Asia Care First

Ensure complete peace of mind for you and your family with Asia Care First. Whether you’re an expat or local, these comprehensive, international health insurance plans cover medical expenses at Thailand’s very best hospitals, with little to no out-of-pocket expenses.

All plans offer comprehensive coverage for unexpected incidents including critical illnesses such as cancer, heart attack, kidney failure, coronary artery- bypass surgery and organ transplant services

Furthermore, Asia Care First plans provide you the reassurance of lifetime renewal guarantees. Regardless of the presence of any new medical conditions, acute or chronic, you can always renew your policy. What’s more, no matter what your age, you’ll be able to renew your policy at the same rate as others in your age group, regardless of how many claims you’ve made in the previous year.

As a Luma member you can benefit from direct billing – meaning no cash advance is required for both inpatient and outpatient treatments when visiting a hospital in our preferred medical network.

Your health, your child’s health and your spouse’s health are safe and sound with LUMA.

Who Can Apply

The road to radiant health starts now. LUMA’s comprehensive health insurance plans provide benefits that last a lifetime.

Individuals and families residing in one or more countries listed below more than 180 days per year Bangladesh, Bhutan, Brunei, Cambodia, East Timor, India, Indonesia, Laos, Malaysia, Maldives, Myanmar, Nepal, Pakistan, Philippines, Sri Lanka, Thailand, Vietnam.

Adults age 18 - 64

Children age 0 - 17 can apply with at least one parent

All nationalities can apply

Area of Coverage

Asia Care First plans offer you full access to medical services and cover in the primary area of coverage with no time limitation.

Worldwide Coverage for Medical Emergencies and Accidents

(limited to 60 days per trip if travelling outside Thailand, Myanmar, Cambodia, Philippines, India, Maldives, Brunei, Pakistan, East Timor, Vietnam, Indonesia, Laos, Malaysia Nepal, Bangladesh, Bhutan, and Sri Lanka)

For Routine and Planned Treatments
(With no time limitation)

Thailand, Myanmar, Cambodia, Philippines, India, Maldives, Brunei, Pakistan, East Timor, Vietnam, Indonesia, Laos, Malaysia Nepal, Bangladesh, Bhutan, and Sri Lanka

Other Countries Available for Planned Treatments
(90 days per stay)

Belgium, France, Germany, Luxembourg, and Netherlands

Asia Care First Thailand Plans

VITAL
Essential protection
Annual Limit 30,000,000
  • Inpatient / Hospitalization
  • Cancer - Inpatient & Outpatient
  • -
  • -
  • -
  • Maternity
    Up To 60,000
  • -
  • Worldwide Emergencies
  • Lifetime Renewal Guarantee
  • Chronic Medical Conditions
  • Accidents
  • Medical Evacuation
    (Optional)
  • -
Harmony
Balanced comfort
Annual Limit 30,000,000
  • Inpatient / Hospitalization
  • Cancer - Inpatient & Outpatient
  • Outpatient
    Up To 165,000
  • Rental Health Checkup
    Up To 6000
  • Dental
    Up To 30,000 (10% Co-Payment)
  • Maternity
    Up To 120,000
  • -
  • Worldwide Emergencies
  • Lifetime Renewal Guarantee
  • Chronic Medical Conditions
  • Accidents
  • Medical Evacuation
    (Optional)
  • Deductibles
    (optional}
Optimum
Supreme care
Annual Limit 48,000,000
  • Inpatient / Hospitalization
  • Cancer - Inpatient & Outpatient
  • Outpatient
    Paid in full
  • Routine Health Checkup
    Up To 15,000
  • Dental
    Up To 75,000 (10% Co-Payment)
  • Maternity
    Up To 270,000
  • Vision
    Up To 24,000
  • Worldwide Emergencies
  • Lifetime Renewal Guarantee
  • Chronic Medical Conditions
  • Accidents
  • Medical Evacuation
    (Optional)
  • Deductibles
    (optional}

Important Note:

  • -The currency of this policy is US Dollar (USD) and Euro (€)
  • -The benefit values are per year and per person
  • -Please download our brochure for more details
Download Brochure

Benefit Highlights

The road to radiant health starts now. LUMA’s comprehensive health insurance plans provide benefits that last a lifetime.

Comprehensive for illness and accidents

Complete peace of mind

International health cover

Lifetime renewal guarantee

Reliable