Luma Health Insurance
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+66 2 494 3600

International Health Insurance for expats in Cambodia

Designed to take you from a day in the office to weekends riding through Siem Reap. With Luma, you can rest easy knowing you are taking care of your health and preparing for the unexpected. Covering you across Cambodia, we offer a fuss-free experience that allows you to get on with the hustle and bustle in the big cities like Phnom Penh to a day trip down the Tonlé Sap. Keep your mind at ease knowing you can focus on the things that matter most to you in life, and we’ll take care of the rest. We offer the solutions to specifically cater to your needs. Our health care solutions and plans are suitable for both medical insurance for expats in Cambodia and locals looking for family health insurance in Cambodia. If you’re an expat looking for medical insurance for foreigners in Cambodia, or a frequent traveler looking for health insurance in Cambodia, we have worldwide coverage for accidents and medical emergencies, as well as free choice of medical provider – so you can relax and live life without worry.

Luma ASIA Care Plus Cambodia Health Insurance

Benefits include:
  • Extensive direct billing network of hospitals in Cambodia and in South East Asia (no upfront payment)
  • High level of outpatient and inpatient treatments coverage
  • Routine health checkups
  • Dental, Vision and Maternity Plans
  • Lifetime renewal guarantee, regardless of age or medical condition
  • Age: Apply up to 70
  • In-patient cover: High
  • Out-patient cover: Various
  • Medical evacuation: Included (can be upgraded)
  • Emergency/accident cover: Worldwide
  • Premium level: Medium to High
Plan 1
Essential Care		Plan 2
Balance Care		Plan 3
Superior Care		Plan 4
Premium Care		Plan 5
Platinum Care
Annual Limit1,000,000 USD1,000,000 USD1,000,000 USD1,600,000 USD1,600,000 USD
In-Patient / Hospitalization
CancerIn & Out PatientIn & Out PatientIn & Out PatientIn & Out PatientIn & Out Patient
Out-PatientUp to 6,000 USDUp to 6,000 USDUp to 6,000 USD
Routine Health Check UpUp to 200 USDUp to 200 USDUp to 200 USDUp to 500 USD
DentalUp to 1,000 USDUp to 2,500 USDUp to 2,500 USD
MaternityUp to 2,500 USDUp to 4,000 USDUp to 8,000 USD
VisionUp to 200 USDUp to 500 USDUp to 500 USD
Worldwide Emergencies
Chronic Medical Conditions
Accidents
Medical Evacuation
Download Brochure
Health Insurance in Cambodia

Frequently Asked Questions about Health Insurance in Cambodia

Can pre-existing conditions be covered by a health insurance in Cambodia?

Conditions that were existing before the start of a health insurance are usually not covered by insurers. However, it might be possible to have pre-existing conditions covered on a case by case basis if fully declared and accepted by the insurer.

 

What are the top hospitals in Cambodia?

Check Luma’s preferred Medical Network in Cambodia to see top hospitals in Cambodia.

About Luma, your Companion for All Things Health.

Brighter Health with Easy, Accessible, and Ethical insurance.

easy

We make insurance easy to understand and easy to use.

accessible

We are reachable anytime, anywhere, in multiple languages.

ethical

Insurance with a heart.

Luma Health Insurance
Luma Health Insurance
4.6
Based on 212 reviews
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Michael
Michael
08:53 09 Oct 22
I had to get their travel insurance when traveling because of the Covid policy. I actually ran into an issue and needed to use the travel insurance. The claim was resolved within a timely amount of time and the process was straightforward. I will use Luma again when traveling in Southeast Asia.
Stephen Roberts
Stephen Roberts
08:42 05 Oct 22
After looking at many other companies, I decided to use Luma. Excellent product options and value for money. The staff explained my product options to me and were always helpful. Answering my questions promptly. The overall service was excellent.
Yannick Andries
Yannick Andries
08:09 03 Oct 22
Really good for a health insurance to see how easy it is to get answer as soon as we're in need.Thanks to the kind person who toke care of my specific case with so much understanding and feedback and did things fast and smooth 🙂 I can only recommend Luma Health if every case is solve with so... much care than mineread more
Thomas Andre
Thomas Andre
06:06 23 Aug 22
Big thanks to Clara for being patience, professional and offering a wide range of plans to chose from. Only positive experiences so far 👍
Li Li
Li Li
21:09 08 Aug 22
I do love Luma, their employees are so professional and super nice, I was pretty worried that I can not speak Thai and how can I talk to them about the details of the insurance, but actually I do not need to worry at all, they can speak fluent English, and all the documents are done in bilingual... version( Thai and English).Perfect service!!!read more
valerie lawrence
valerie lawrence
11:34 05 Aug 22
I've recently taken out insurance with Luma and have been very pleased with the process including when I have made mistakes in the forms, Luma employee has been very helpful
Abderrahim JAMARI
Abderrahim JAMARI
10:19 02 Jul 22
This is my first ecperiemce with Luma Health Insurance and it has proven to be VERY SATISFACTORY so far. I commend LHI personnel on their efficient handling of requests. Their response / reaction time is impeccable. A refund that would normally take 2 to 3 weeks weeks was executed in under 3 days.... I thought this was impressive.read more
Benji John
Benji John
08:15 20 Jun 22
Clara is the most patient and helpful personal I have ever encountered, I have ADHD and am not easy to deal with, I made several error's and she went out of her way to contact the team directly to rectify them in a very narrow time frame to insure my holiday was successful, absolute godsend... ,Never had customer service like that from LUMA 🙏🏼🙏🏼🙏🏼read more
Roxanne La Marque
Roxanne La Marque
10:16 15 Jun 22
I am so happy with the quick service I received from Luma, they answered queries quickly, making payment was very easy and I received my certificate within 15 minutes of making payment.
Nush Khan
Nush Khan
02:36 11 Jun 22
Luma Health was excellent when I needed my insurance done for my Thailand Visa urgently. The agent I worked with (Ms. Suchanad (Jdai) Wongwijitpan) was beyond helpful. She was very prompt with my requests, and her response rate was excellent. Thank you, Ms. Jdai and the Luma health team, for the... reliable service.read more
Simon Lin
Simon Lin
10:46 18 May 22
Great service. One of the best health insurance around. Customer service team is quick to respond and helpful all the time. Been with Luma for few years and would definitely recommend them.
Mr. Joe
Mr. Joe
07:23 18 May 22
It was a bit difficult contacting the service and the links they gave me were not the ones I was looking for. However, after speaking to them through what's app they were able to answer all questions.
Thorsten Michaltseck
Thorsten Michaltseck
15:03 28 Mar 22
Terrible experience.Total scam company.Go to Allianz or anywhere else for travel health insurance. They happily take your premium but don't expect any service or compensation.
christian K Amoh
christian K Amoh
09:48 22 Mar 22
You may see good things on their sites but trust me, they'll ditch you when the unfortunate happens. I bought a Vietnam travel insurance from them and went to Hanoi, within the same month I got a medical diagnosis which required immediate surgery. LUMA didn't find ways to honor their commitments... but instead they tried to tell me that my condition could be a preexisting condition. However, I have a life insurance in my country and if I was that sick before i got to Vietnam, I'd have cured myself there without having to pay for anything, plus I haven't even visited a hospital for past 3 years until just few days ago. They're just money grabbing company. I advise you look.for other options when getting insured. They've communicated poorly with me and solely centred on unstated facts that my disease may be preexisting disease. Funny how they can't even respect their own policy. To be honest, they just wasted my time. No one deserves to be cheated like I have been. I have all communications with them through their email. They're just a scam insurance. I won't recommend it to any traveller. Such a shame.read more
Сергей Фомин
Сергей Фомин
08:30 08 Mar 22
Great insurance company, I recommend it to everyone!I had to use it in Thailand, Phuket in a Bangkok hospital, I didn’t experience any problems with insurance, Luma covered all the visits, for which I am very grateful to them. You are cool!I want to say special thanks to Savarin Nakchu, who was... in touch even after the sale of insurance and helped with solving issues.If we return to Thailand, we will definitely take Luma as a reliable insurance company.read more
Loujean LaMalfa
Loujean LaMalfa
03:14 12 Feb 22
I highly commend Luma Health Services! From the 1st time we contacted them to the issue of the policy was very, very professional. I was very impressed with the agent who we worked with. His service was impressive.
Matthew Taylor
Matthew Taylor
10:03 04 Feb 22
Khun Suchanda was so helpful and did everything thing in a very professional way. After Aetna basically treat me like a piece of dirt after ten years of taking my money, Luma stepped in and organized me a policy with Pacific Cross which has helped restore my faith in the Health Insurance Industry.... I cannot recommend them highly enough.read more
Ann von Brandis
Ann von Brandis
06:31 03 Feb 22
I must commend you on the service provided by Nattawut. We were unsure of travel insurance needed by our trip to Thailand in April 2022. And even more so when we were struggling for an travel insurance policy for my 76 year old mother. Without his help, we would have struggled. We eventually... with his help managed to get the travel insurance we needed. Thank you, Nattawut. Amazing service! Well done.read more
Benz Polsawat
Benz Polsawat
13:15 18 Jan 22
I would recommend Luma Health Insurance to everyone. They are very great service and prompt help. 24/7 on call is very impressive for me.
Vladimir MELNIKOV
Vladimir MELNIKOV
03:26 18 Jan 22
Had a great experience, especially with the customer service. Recommended for Thailand Pass.
Keith Marshall
Keith Marshall
07:54 12 Jan 22
The rep I dealt with, Khun Chitsakon Subwarodom was superb. Due to Covid rues changing and my ineptness, he had to change to application many time. Always patient and providing a perfect product in the end. He worked very hard on my behalf and I thoroughly recomment him and his company
Tommy Walker
Tommy Walker
04:23 18 Nov 21
Scam! Even though the policy states outpatient cover can be provided, they refuse to cover. Even for basic medical costs with doctor’s certificate and official recommendation! Even doctors at Bangkok Hospital recommended not to use them. A poor Thai company that has probably ran out of money to... fund its customers.Be aware.read more
Peter Mikael
Peter Mikael
07:07 12 Nov 21
I have just experienced the best possible customer approach by your valued employee Ms. Suchanad Wongwijitpant.She has demonstrated true professionalism in her ability to interpret understand customers' enquirers and respond right on the point.Her knowledge about insurance matters and not the... least her English language skill would certainly motivate a promotion with higher degree of responsibilities.It remains to see how well the Royal Thai Embassy - Stockholm will received my newly purchased insurance as supporting document to my O-A Visa application.The actual value of the insurance remains to see in case something unfortunate happens during our stay in Thailand.Sincerely,Peter and Clarita Fehrmread more
Michael Hart
Michael Hart
08:08 09 Nov 21
Very transparent and prompt service provided by Nattawut to transfer my insurance to Luma. This company seems to be more open and product driven than the usual top heavy marketing of similar offerings.
Dennis Phelps
Dennis Phelps
20:41 14 Sep 21
Why does no one tell about the cost? It is good everyone smiles & friendly. But what is the average cost for people fully Vaccinated
Natalie Glebova
Natalie Glebova
08:43 14 Jun 21
For us, an international family living in Thailand for more than 10 years.Luma Health Insurance was an excellent choice as their packages are price competitive and have international coverage.The customer service is efficient, proactive, and fast, which I love the most "speed."Any questions... or documentation we needed was promptly answered. A few days after sending our applications, we received the Luma care app to download and the personalized insurance card.Our agent at Luma, Xaynaly, is a world-class operator!I highly recommend Luma for anyone who seeks local cover in Thailand and international health insurance coverage.read more
Erica Cheong
Erica Cheong
05:58 30 Apr 21
The staff is able to speak good English. I appreciate LUMA's understanding to allow policy holders to defer the start date of The Thailand Pass.
Jannie Vurmik
Jannie Vurmik
09:18 09 Apr 21
Luma Health Insurance is a great company with highly professional employees. Ms. Neennara Surapatana offers a fantastic customer service. Questions I had asked re. certain aspects of the coverage were well and in a timely manner answered. Within a few days after sending in my application, I... received the Luma care app to download and the personalized insurance card.I highly recommend this company for anyone who seeks international health insurance coverage.read more
Bangkokney
Bangkokney
07:57 30 Mar 21
I applied to LUMA for COVID insurance for myself and my wife to enter Thailand. From day one the service has been outstanding, the staff I've dealt with so professional and response times fantastic. I would thoroughly recommend this company if you're looking for insurance to enter Thailand.
Allen Cooper
Allen Cooper
04:42 06 Feb 21
I was specifically looking for Covid 19 insurance. After contacting a number of companies offering this policy I settled with Luma Health. Their policy was comprehensive but reasonably priced. Ms Surapatana, a Luma personal solutions representative was extremely helpful, and the whole process was... completed very quickly.read more
Alexander Eriksson
Alexander Eriksson
15:54 03 Feb 21
Somewhat expensive insurance but provides very good coverage even outside Asia, basically you get what you pay for. The staff is helpful even with complex reimbursement requests which made me renew further. Super easy to just show the insurance card when going to the hospital in Thailand, no need... to prepay anything. Overall I feel good knowing I have this insurance if I need it, you can't put a price on health, would recommend!read more
369श्येन
369श्येन
03:51 21 Jan 21
Very fair value package and very easy to apply for. One of the most user friendly and customer orientated I have come across in a long time. Keep it up.
Katie Bartholomew
Katie Bartholomew
14:58 12 Jan 21
The Luma team have been really friendly and responsive throughout my policy with them. They kept closely in touch via email and Whatsapp, ensuring that all processes ran very smoothly! Warmly recommend.
Sara Mercer Curbelo
Sara Mercer Curbelo
08:40 11 Jan 21
Wonderful and immediate responses. The services are well answered and the staff is attentive. The information was easily explained. The needed forms were sent within 5 minutes. I would surely recommend their services!
Smile
Smile
13:18 13 Oct 20
I bought Luma pass to Thailand last month with Mr. Nuttarut. He assisted me very excellent. After that, I have to change date for my policy, Mr. Nuttarut still provide best service and quick response to my email. Thank you for your professional service and take care us. Well done!! and keep the... good work.Regards,read more
Ross Algie
Ross Algie
02:28 10 Sep 20
Luma Health appears to be a well organised and professional company.
Quentin C (Q)
Quentin C (Q)
05:09 14 Jul 20
I've been served by Emilie and she was very helpful, making sure that my file was processed in time for me to be able to travel a few days later. Friendly and professional, we used the app LINE for our communication, that was very user friendly.After comparing a few offers from different company,... I would say this one is slightly better, but stay in the norms.I didn't have to use the service yet, so cannot say anything about it, but one of the reason I chose them is that we don't have to pay in advance, its directly paid trough the insurances.read more
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