Here are a few highlights of being a Luma members:

• Effortless & stress free experience for expats and locals in Thailand.

• Our experienced in-house medical team of expat and Thai doctors can refer our members to the best doctors and medical facilities in order to get a second medical opinion.

• Cashless Insurance: we can settle the bill directly with the hospital in our medical network, so you don’t have to pay upfront when visiting a hospital. 

   

• Quick claims processing via our Luma Care App, anywhere, anytime. Members can also submit their claims through the website or via the post.

• 24/7 Emergency Support

• All Luma members can enjoy our exclusive Luma Privileges Program.

Read more about the costs of medical treatments in Thailand.

Luma’s plans for international health insurance in Thailand are designed to cover in full most of the eligible treatments.

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 may be covered if they are fully declared and accepted by the insurance company.

Please note that most insurers who offer international health insurance in Thailand do not offer coverage for pre-existing conditions.

Luma offers different health solutions in Thailand with coverage for Covid-19. 

Contact our consultants to learn more about available Covid Health Insurance options in Thailand.

Luma offers health insurance options to expats and Thai nationals residing in Thailand. 

For individuals and corporates not residing in Thailand, Luma offers a wide range of international health insurance options in other countries including Vietnam, Cambodia, Laos and Myanmar.