We put our little friends first and pride ourselves on working to bring peace of mind to parents.
| Product |  | |  | | |
|---|---|---|---|---|---|
| Product Highlights | |||||
| Annual Limit | 5,000,000 THB per year | 5,000,000 THB per year | 10,000,000 THB per year | 30,000,000 THB per year | 50,000,000 THB per year |
| Room and Board not limited to Standard Room | 5,000 THB per day Nursing fees paid in full | 8,000 THB per day Nursing fees paid in full | 12,000 THB per day Nursing fees paid in full | 15,000 THB per day Nursing fees paid in full | 20,000 THB per day Nursing fees paid in full |
| ICU | Paid in Full | Paid in Full | Paid in Full | Paid in Full | Paid in Full |
| Pre and post hospitalization medical expenses | 15,000 THB per year within 45 days before and 45 days after inpatient stay | 15,000 THB per year within 45 days before and 45 days after inpatient stay | 30,000 THB per year within 45 days before and 45 days after inpatient stay | 50,000 THB per year within 45 days before and 45 days after inpatient stay | 100,000 THB per year within 45 days before and 45 days after inpatient stay |
| Outpatient medical expenses for injuries within 24h from accidents | Paid in Full | Paid in Full | Paid in Full | Paid in Full | Paid in Full |
| Day care treatment (medical expenses not requiring overnight hospital stay) | Paid in Full | Paid in Full | Paid in Full | Paid in Full | Paid in Full |
| Reconstructive surgery after accidents - including emergency dental treatment after accidents | Paid in Full | Paid in Full | Paid in Full | Paid in Full | Paid in Full |
| Cancer Treatment | Paid in Full | Paid in Full | Paid in Full | Paid in Full | Paid in Full |
| Treatment for Congenital Abnormalities | 25,000 THB per year | 25,000 THB per year | 100,000 THB per year | 300,000 THB per year | 600,000 THB per year |
| Luma Services | |||||
| 24/7 Medical Emergency Hotline | |||||
| Second Medical Opinion | |||||
| Medical Referral Services | |||||
| Claim online with Luma Mobile Application | |||||
Entry Age
15 days to 17 years old
*Children under 6 years old must be accompanied by a guardian.
Guaranteed Renewal
Up to 99 years old
Immediate Cover
Medical cover from Day 1
Not sure what you need?
The specific coverage varies depending on the plan chosen. A health insurance for a child would typically cover emergency care and hospitalization for an unexpected injury or illness. Please review the details of the insurance policy before purchasing.
Pre-existing conditions would usually not be covered by insurers. However there may be some exceptions if declared and accepted by the insurer. Consult with Luma Consultant to see if this can be the case if your child has pre-existing conditions.
Health Insurance premium for children depends on the age of the child, chosen coverage and zone of coverage. In some particular cases, a loading may be applied, therefore affecting the premium. Consult with Luma to know how much the premium could be for your child’s health insurance.
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