Personal Health Insurance for Individuals and Families

LUMA is built by expats, for expats. You get access to Medipro, a whole international medical team led by doctors who follow European and International standards, and have over a decade of understanding the local healthcare systems. Strong relationships with leading hospitals allow LUMA to bridge the gap between the quality and practices of medical care, so wherever you are treated, you are in good hands.

There is no single price, because your plan is built around you. What you pay comes down mainly to your age, where you live and how much coverage you require. To explore plans and options available to you, get in contact with one of our advisors.

It’s strongly recommended to have your own private health insurance as an expat. Convenient access to private hospitals is part of it, but the real value is protecting yourself while living in a foreign country, when an illness or accident catches you off guard. With LUMA, that protection goes beyond paying claims: Medipro helps you navigate an unfamiliar healthcare system by guiding you on where to go and which specialist to see, so you get the right care at the right time and in the right place. In some cases, you may also need proof of health insurance cover for your visa application.