Health Insurance in Thailand by Luma

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



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 in Thailand.

Personal & Family Health Insurance


Health Insurance for expatriates and locals living in Thailand

  • High cover for hospitalization and out-patient
  • Full cover for cancer treatments
  • Full cover for new chronic conditions
  • Dental, maternity & health-check up options
  • Pre-existing conditions can be covered if declared and accepted
  • Guaranteed renewability
  • Multiple international coverage options
  • Coverage for congenital anomalies

Covid Insurance


Travel Insurance to enter Thailand

  • Cover up to 3.5 million THB for sickness and accident (equivalent to at least 100,000USD)
  • Covid-19 cover
  • Certification provided
  • Fast and Easy Application
  • Premiums start from THB 3,500 per policy

FAQ - Thailand 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 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.

For more information, please get in touch
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