Health Insurance for Thailand

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 Thailand 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 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 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.