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Laos

Health Insurance in LAOS

Luma brings exclusive health insurance solutions to Laos with healthcare plans designed for expats and companies in Laos, and locals looking for family health insurance in Laos. 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.

Luma ASIA Care Plus LAOS

Benefits include:
  • High cover for hospitalization (in-patient treatments)
  • Full cover for cancer treatments
  • Full cover for new chronic conditions
  • Coverage for congenital anomalies
  • Pre-existing conditions can be covered if declared and accepted
  • Dental, maternity & health-checkup options
  • Guaranteed renewability
  • 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
Special 2020 rates for all Asia Care Plus applications completed in 2021
Plan 1Plan 2Plan 3Plan 4Plan 5Plan 6
Annual Limit1,000,000 USD1,600,000 USD1,000,000 USD1,600,000 USD1,000,000 USD1,600,000 USD
In-Patient / Hospitalization
CancerIn & Out PatientIn & Out PatientIn & Out PatientIn & Out PatientIn & Out PatientIn & Out Patient
Out-PatientUp to 6,000 USDUp 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 200 USD
DentalUp to 1,000 USDUp to 2,500 USD
MaternityUp to 2,500 USDUp to 4,000 USD
VisionUp to 200 USDUp to 500 USD
Worldwide Emergencies
Chronic Medical Conditions
Accidents
Medical Evacuation
Benefits include:
  • High cover for hospitalization (in-patient treatments)
  • Full cover for cancer treatments
  • Full cover for new chronic conditions
  • Coverage for congenital anomalies
  • Pre-existing conditions can be covered if declared and accepted
  • Dental, maternity & health-checkup options
  • Guaranteed renewability
  • 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
Luma health insurance plans:
Plan 1Plan 2Plan 3Plan 4Plan 5Plan 6
Annual Limit1,000,000 USD1,600,000 USD1,000,000 USD1,600,000 USD1,000,000 USD1,600,000 USD
In-Patient / Hospitalization
CancerIn & Out PatientIn & Out PatientIn & Out PatientIn & Out PatientIn & Out PatientIn & Out Patient
Out-PatientUp to 6,000 USDUp 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 200 USD
DentalUp to 1,000 USDUp to 2,500 USD
MaternityUp to 2,500 USDUp to 4,000 USD
VisionUp to 200 USDUp to 500 USD
Worldwide Emergencies
Chronic Medical Conditions
Accidents
Medical Evacuation
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Health Insurance in Laos

They chose Luma Health Insurance in Laos

My baby girl had to be admitted for two nights. Luma took care of everything without problems nor questions asked. Everything was sorted when it was time to leave and all we had to do was sign a few papers. It was a relief not having to worry about the stress of the bill. Very happy with this company, their rates and their coverage.
Dustin A.
Joined Membership upon my overseas assignment and now renewed it for next coming year. Through the membership period, I have received a quality of support in reimbursing medical expenses as well as cashless services at hospitals. Thanks for your high standard of services.
Yasuo T.
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FAQ
Why choose Luma for medical insurance in Laos?

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.
Members can take advantage of our comprehensive hospital network and cashfree insurance: we can settle the bill directly with the hospital in our network, so you don’t have to pay upfront when visiting a hospital.

Who are the Laos health insurance plans designed for?
  • 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
Do you offer discounts?

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

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+66 2 494 3600

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