Ensure complete peace of mind for you and your family with Asia Care First. Whether you’re an expat or local, these comprehensive, international health insurance plans cover medical expenses at Thailand’s very best hospitals, with little to no out-of-pocket expenses.

All plans offer comprehensive coverage for unexpected incidents including critical illnesses such as cancer, heart attack, kidney failure, coronary artery- bypass surgery and organ transplant services.

Furthermore, Asia Care First plans provide you the reassurance of lifetime renewal guarantees. Regardless of the presence of any new medical conditions, acute or chronic, you can always renew your policy. What’s more, no matter what your age, you’ll be able to renew your policy at the same rate as others in your age group, regardless of how many claims you’ve made in the previous year.

As a Luma member you can benefit from direct billing – meaning no cash advance is required for both inpatient and outpatient treatments when visiting a hospital in our preferred medical network.

Your health, your child’s health and your spouse’s health are safe and sound with LUMA.