Explore our range of personal health insurance solutions

Designed to take you from a day in the office to weekends riding through Siem Reap. With Luma, you can rest easy knowing you’re 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.

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.

We offer the solutions to specifically cater to your needs. Our service includes a lifetime renewal guarantee, regardless of age or medical condition – perfect for those looking for family health insurance in Cambodia. If you’re an expat looking for medical insurance for expats in Cambodia, or a frequent traveler looking for health insurance in Cambodia for foreigners, 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.

Living In Southeast Asia? We’ve got you covered

A wide range of plans are available for individuals or families looking for comprehensive and international health insurance solutions in Southeast Asia. Our policies cover medical health insurance for expats in Cambodia and local Cambodian residents.

Cambodian Nationals and Residents

Many Cambodian nationals and residents are already customers of Luma’s excellent family health insurance Cambodia. That’s because of the convenience and the peace of mind that a Luma health plan affords.

Expats in Cambodia

For health insurance Cambodia, foreigners such as our expat community could benefit from a Luma health plan. Luma provides excellent levels of coverage and support for all members.

Why Luma is the best option for you

Luma has the global coverage with local presence and services near you, created and assisted by passionate health care professionals. Your health is our priority, and that’s why we want to offer the best service that we possibly can for international health insurance in Cambodia. If you are a Thai resident or expat, we can offer a bespoke plan to suit your health care needs. Our aim is to provide all our members with the peace of mind that comes with knowing you’re covered, whatever the situation.

  • 24/7 worldwide multilanguage support – We offer our members international 24 hour phone and online support.
  • Cashless Insurance – At Luma, we can often settle the bill directly with the hospital so our members don’t have to pay upfront at leading medical facilities.
  • Access top hospitals – we work with the best hospitals, doctors and medical professionals internationally.
  • Claim process in 5 working days – make a claim via Luma online service and Luma Care App, anywhere, anytime.
  • Always near you – Global offices and international support through telephone and online.


Products Showcase

Luma offer a sensational range of health care plans to meet your needs. With all of our products, members will receive the same level of support and service through our local offices, online service and 24 hour telephone support.

Our Health Solution

Our SolutionsLevel of Coverage InpatientLevel of Coverage OutpatientLevel of Coverage OtherMedical EvacuationArea of Emergency CoverAgeNationalityDurationCurrency
Asia Care Plus Cambodia
4.5 rating based on 1,234 ratings
4.0 rating based on 1,234 ratings
3.0 rating based on 1,234 ratings
YesWorldwide<70All1 YearUSD

Level of Coverage Inpatient

Asia Care Plus Cambodia
4.5 rating based on 1,234 ratings

Level of Coverage Outpatient

Asia Care Plus Cambodia
4.0 rating based on 1,234 ratings

Level of Coverage Other

Asia Care Plus Cambodia
3.0 rating based on 1,234 ratings

Medical Evacuation

Asia Care Plus Cambodia Yes

Area of Emergency Cover

Asia Care Plus Cambodia Worldwide
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