Protection
Comprehensive health cover including all types of cancer, Covid-19 and other pandemics.
Renewal
Guaranteed renewal until 99 years old.
International
Worldwide coverage including for planned treatments abroad and emergencies while travelling.
Medical
Coverage up to 50m THB per year with high IPD room per day and not limited to Standard Room.
Experienced
Serviced by an International Team featuring a dedicated in-house medical team and a customer service team that is always there for you.
Plan 1
10,000,000 THB
Annual Limit
Room and Board:
12,000 THB per day – Standard Private Room Paid in Full within PRIME Network
ICU Room and Board:
Paid in Full
Medical service fees:
Paid in Full
Attending medical professional fee:
Paid in Full
Medical expenses for surgery:
Paid in Full
Major surgery:
Paid in Full
Cancer Treatment:
Paid in Full
Ambulance:
Paid in Full
Reconstructive surgery following accident:
Paid in Full
Pre and Post medical expenses related to an inpatient stay within 45 days before and after:
30,000 THB per policy year
Outpatient medical expenses in case of injury within 24h from an accident:
Paid in Full
Rehabilitation Expenses after an inpatient stay:
Paid in Full up to 10 days per policy year
Kidney Dialysis:
200,000 THB per policy year
Minor surgery:
Paid in Full
Parent Accommodation:
1,500 THB per day up to 30 days per policy year
Nursing care at home:
15,000 THB per policy year
Day care treatment:
Paid in Full
Treatment of infectious diseases (HIV) and immunodeficiency (AIDS):
100,000 THB per policy year
Congenital abnormalities:
100,000 THB per policy year
Wheelchair or crutches
10,000 THB per policy year
Worldwide coverage in case of accident or unforeseen medical emergencies outside the area of coverage.
THB 2,500,000 per policy year (up to 90 days per trip, maximum 180 days per policy year)
Plan 2
30,000,000 THB
Annual Limit
Room and Board:
15,000 THB per day – Standard Private Room Paid in Full within PRIME Network
ICU Room and Board:
Paid in Full
Medical service fees:
Paid in Full
Attending medical professional fee:
Paid in Full
Medical expenses for surgery:
Paid in Full
Major surgery:
Paid in Full
Cancer Treatment:
Paid in Full
Ambulance:
Paid in Full
Reconstructive surgery following accident:
Paid in Full
Psychiatric Treatment in hospital :
Paid in Full up to 15 days per policy year
Pre and Post medical expenses related to an inpatient stay within 45 days before and after:
50,000 THB per policy year
Outpatient medical expenses in case of injury within 24h from an accident:
Paid in Full
Rehabilitation Expenses after an inpatient stay:
Paid in Full up to 30 days per policy year
Kidney Dialysis:
1,500,000 THB per policy year
Minor surgery:
Paid in Full
Parent Accommodation:
1,500 THB per day up to 30 days per policy year
Nursing care at home:
30,000 THB per policy year
Day care treatment:
Paid in Full
Treatment of infectious diseases (HIV) and immunodeficiency (AIDS):
500,000 THB per policy year
Congenital abnormalities:
300,000 THB per policy year
Wheelchair or crutches
30,000 THB per policy year
Worldwide coverage in case of accident or unforeseen medical emergencies outside the area of coverage.
THB 7,500,000 per policy year (up to 90 days per trip, maximum 180 days per policy year)
Plan 3
50,000,000 THB
Annual Limit
Room and Board:
20,000 THB per day – Standard Private Room Paid in Full within PRIME Network
ICU Room and Board:
Paid in Full
Medical service fees:
Paid in Full
Attending medical professional fee:
Paid in Full
Medical expenses for surgery:
Paid in Full
Major surgery:
Paid in Full
Cancer Treatment:
Paid in Full
Ambulance:
Paid in Full
Reconstructive surgery following accident:
Paid in Full
Psychiatric Treatment in hospital :
Paid in Full up to 20 days per policy year
Pre and Post medical expenses related to an inpatient stay within 45 days before and after:
100,000 THB per policy year
Outpatient medical expenses in case of injury within 24h from an accident:
Paid in Full
Rehabilitation Expenses after an inpatient stay:
Paid in Full up to 30 days per policy year
Kidney Dialysis:
2,000,000 THB per policy year
Minor surgery:
Paid in Full
Parent Accommodation:
1,500 THB per day up to 30 days per policy year
Nursing care at home:
30,000 THB per policy year
Day care treatment:
Paid in Full
Treatment of infectious diseases (HIV) and immunodeficiency (AIDS):
500,000 THB per policy year
Congenital abnormalities:
600,000 THB per policy year
Wheelchair or crutches
50,000 THB per policy year
Worldwide coverage in case of accident or unforeseen medical emergencies outside the area of coverage.
THB 8,000,000 per policy year (up to 90 days per trip, maximum 180 days per policy year)
Outpatient
Dental
Maternity
Vision
Choose your Zone of Coverage for elective treatments*
You may choose to have your planned treatments in any of the countries listed in your chosen zone.
Zone A
worldwide excluding USA
Zone B
worldwide excluding USA, Canada, Switzerland, Israel, Japan, Hong Kong, Bahamas, China
Zone C
worldwide excluding USA, Canada, Switzerland, Israel, Japan, Hong Kong, Bahamas, China, Russia, United Kingdom, Singapore, Taiwan, Brazil
Essential Worldwide Coverage Included*
* coverage for medical emergencies outside the zone of coverage and according to the terms and conditions of the policy.
Worldwide coverage in case of accident or unforeseen medical emergencies outside the area of coverage.
(up to 90 days per trip, maximum 180 days per policy year)
Age: 0 – 70 years old (children under 6 years old must apply with at least one parent).
Nationality: Residents of Thailand (both Thai and foreigners) for at least 180 days per year.
Excluded Occupation: Medical professionals, professional athletes, policemen and other high-risk professions (non-exhaustive list).
• Elective treatments are covered worldwide except in the following countries: USA, Canada, Switzerland, Israel, Japan, China, Hong Kong, Taiwan, Bahamas, Russia, UK, Singapore, Brazil.
• Pre-existing conditions are not covered.
• All applicants must fill out a medical questionnaire, some additional medical information may be requested.
• Waiting periods apply to certain benefits as per the terms and conditions of the insurance policy.
• Some occupations cannot apply to PRIME such as (but not limited to): medical professionals, professional athletes, policemen and other high-risk professions.
General exclusions:
(This is a non exhaustive list, please refer to the original Policy Wording for full list of exclusions)
Free look period:
The policy holder has a 15 days free look period (from the day the policy is received) during which they have the right to cancel their policy, in accordance to the terms and conditions of their policy. The paid premium will be returned to the policy holder after deducting any claimed cost under the policy.
Applicants should study the terms and conditions of the insurance policy before purchasing.
“PRIME” is the marketing name for plans under the Health and Accident Insurance Luma Asia Care Personal Policy insured by Navakij Insurance.
Enquire for PRIME Health Insurance
This page is for informational purposes only and is not an insurance contract. “PRIME” is the marketing name for plans under the Health and Accident Insurance Luma Asia Care Personal Policy insured by Navakij Insurance.
Full details of coverage and exclusions are specified in the insurance Policy Wording.
