Health Insurance in Thailand by Luma

If you’re looking for health insurance in Thailand, you’re in the right place. Luma offers a wide range of health care plans suitable for both expats and Thai nationals residing in Thailand. 

Our health insurance 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 Health Insurance in Thailand


International 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
  • Guaranteed renewability
  • Multiple international coverage options
  • Coverage for congenital anomalies

Family Health Insurance in Thailand


International Health Insurance for families living in Thailand

  • Maternity benefits
  • Vaccination benefits
  • High in/out-patient coverage
  • Second Medical Opinion
  • Expert advisory and referral to specialist and medical facility

Covid-19 Health Insurance in Thailand


Covid-19 Health Insurance in Thailand

  • Illness due to Covid-19
  • Medical treatment for Covid-19
  • Hospitalization due to Covid-19
  • Covid-19 vaccine cover

Covid-19 Travel Insurance for Thailand


Covid-19 Travel Insurance for foreigners traveling to 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 3,100 per policy

FAQ - Thailand Health Insurance Plans

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


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. 


For more information, please get in touch
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