Health Insurance in Laos by Luma

If you’re looking for health insurance in Laos, you’re in the right place. Luma offers great health care solutions and plans suitable for both medical insurance for expats in Laos and locals looking for family health insurance in Laos.

Our plans are designed to ensure excellent local and international coverage. Benefits such as lifetime renewal guarantee and full cover for cancer, both in- and out-patient are just some of the features of our health insurance plans.

Benefits include :

  • High cover for hospitalization (in-patient treatments)
  • Full cover for cancer treatments
  • Full cover for new chronic conditions
  • Dental, maternity & health-checkup options
  • Pre-existing conditions can be covered if declared and accepted
  • Guaranteed renewability
  • Multiple international coverage options
  • Coverage for congenital anomalies
Age : Apply up to 70
In-patient cover: High
Out-patient cover : various
Medical evacuation : included (can be upgraded)
Emergency/accident cover : worldwide
Insurer: Lanexang Assurance
Premium level : Medium to High

FAQ - Laos Health Insurance Plans

None of our plans currently offer coverage for pre-existing conditions. Any conditions or symptoms you had before you start the plan would be considered as pre-existing. However, pre-existing conditions can be covered if they are fully declared and accepted by the insurance company. Please note that most insurers who offer international health insurance in Laos do not offer coverage for pre-existing conditions.

Here are a few highlights of being a Luma members:
  • Effortless & stress free experience
  • Our experienced in-house medical team of expat and Local doctors can refer our members to the best doctors and medical facilities in order to get a second medical opinion. Read our article here on why to get a second medical opinion.
  • Cashless Insurance: we can settle the bill directly with the hospital in our network, so you don’t have to pay upfront at when visiting a hospital. Members can take advantage of our comprehensive hospital network.
  • Quick claims processing via the Luma Care App, anywhere, anytime. Members can check their plan details from the phone
  • Always accessible and available 24/7
  • Members on our international health insurance in Laos plans can also benefit from Luma Privileges
  • Young mobile professionals
  • Young families looking for family health insurance in Laos
  • Couples looking to start a family
  • Expats and their families seeking international health insurance in Laos
  • Long term residents who do not have Laos nationality
  • Retirees

Families with four or more members looking for family health insurance in Laos are eligible for discounts from our Luma Asia Care plans.

For more information, please get in touch
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