If you are looking for an insurace company that truely cares about their clients, look this. They provide great customer service, delivered on their promises and more. If you are looking for a health insurance policy, I suggest you get in contact with LUMA as well.
Poor customer service was given with misinformation and quite disappointed. Didn't make it past the quote stage. Wouldn't recommend. Went with another company who would not discriminate against me or give me misinformation.
Response: Other insurers are able to provide cover which is fine. If you aren’t able to provide cover, not the end of the world. However what was particularly troubling was the complete misinformation provided by staff. If I had been given the correct information from start I wouldn’t be so disappointed.
I have been used Luma Vietnam Pass when I travel to Vietnam. It was first time I was sick and went to hospital. I paid for service by my own money, then I filed the claim with insurance. I submitted all documents they need. And then the insurance wire transfer back money into my checking account. I will use Luma Vietnam Pass again for my travel insurance.
Had a good experience here. I needed a plan to fulfill the requirements for a retirement O-A visa. Nina was very helpful and presented 3 options with a good explanation of the coverage provided. Found what I needed and was able to make a decision within a very short time.
This is one of the best insurance companies for expats in Thailand! Very flexible conditions, favourable offers, and affordable prices! You can also ask to split your payment over 4 months, which is very convenient! You can choose the coverage zone and travel with peace of mind because the policy is valid within the zone, not only Thailand. One of their greatest achievements is the support service! They speak English very well, are always in touch, respond very quickly and meaningfully! Very convenient application, there are no unnecessary ads, the application contains all the necessary information about your policy, everything is always at hand! A huge thank you to Neennara (Nina) Surapatana for her help and patience, I am a very picky customer but she was very polite and considerate in helping me and getting me exactly the plan that was perfect for me!
I had to get their travel insurance when traveling because of the Covid policy. I actually ran into an issue and needed to use the travel insurance. The claim was resolved within a timely amount of time and the process was straightforward. I will use Luma again when traveling in Southeast Asia.
After looking at many other companies, I decided to use Luma. Excellent product options and value for money. The staff explained my product options to me and were always helpful. Answering my questions promptly. The overall service was excellent.
Really good for a health insurance to see how easy it is to get answer as soon as we're in need. Thanks to the kind person who toke care of my specific case with so much understanding and feedback and did things fast and smooth 🙂 I can only recommend Luma Health if every case is solve with so much care than mine
I do love Luma, their employees are so professional and super nice, I was pretty worried that I can not speak Thai and how can I talk to them about the details of the insurance, but actually I do not need to worry at all, they can speak fluent English, and all the documents are done in bilingual version( Thai and English).
I've recently taken out insurance with Luma and have been very pleased with the process including when I have made mistakes in the forms, Luma employee has been very helpful
This is my first ecperiemce with Luma Health Insurance and it has proven to be VERY SATISFACTORY so far. I commend LHI personnel on their efficient handling of requests. Their response / reaction time is impeccable. A refund that would normally take 2 to 3 weeks weeks was executed in under 3 days. I thought this was impressive.
Clara is the most patient and helpful personal I have ever encountered, I have ADHD and am not easy to deal with, I made several error's and she went out of her way to contact the team directly to rectify them in a very narrow time frame to insure my holiday was successful, absolute godsend ,
Never had customer service like that from LUMA ??????
I am so happy with the quick service I received from Luma, they answered queries quickly, making payment was very easy and I received my certificate within 15 minutes of making payment.
Luma Health was excellent when I needed my insurance done for my Thailand Visa urgently. The agent I worked with (Ms. Suchanad (Jdai) Wongwijitpan) was beyond helpful. She was very prompt with my requests, and her response rate was excellent. Thank you, Ms. Jdai and the Luma health team, for the reliable service.
Great service. One of the best health insurance around. Customer service team is quick to respond and helpful all the time. Been with Luma for few years and would definitely recommend them.
It was a bit difficult contacting the service and the links they gave me were not the ones I was looking for. However, after speaking to them through what's app they were able to answer all questions.
Terrible experience.Total scam company. Go to Allianz or anywhere else for travel health insurance. They happily take your premium but don't expect any service or compensation.
You may see good things on their sites but trust me, they'll ditch you when the unfortunate happens. I bought a Vietnam travel insurance from them and went to Hanoi, within the same month I got a medical diagnosis which required immediate surgery. LUMA didn't find ways to honor their commitments but instead they tried to tell me that my condition could be a preexisting condition. However, I have a life insurance in my country and if I was that sick before i got to Vietnam, I'd have cured myself there without having to pay for anything, plus I haven't even visited a hospital for past 3 years until just few days ago. They're just money grabbing company. I advise you look.for other options when getting insured. They've communicated poorly with me and solely centred on unstated facts that my disease may be preexisting disease. Funny how they can't even respect their own policy. To be honest, they just wasted my time. No one deserves to be cheated like I have been. I have all communications with them through their email. They're just a scam insurance. I won't recommend it to any traveller. Such a shame.
Great insurance company, I recommend it to everyone! I had to use it in Thailand, Phuket in a Bangkok hospital, I didn’t experience any problems with insurance, Luma covered all the visits, for which I am very grateful to them. You are cool! I want to say special thanks to Savarin Nakchu, who was in touch even after the sale of insurance and helped with solving issues. If we return to Thailand, we will definitely take Luma as a reliable insurance company.
I highly commend Luma Health Services! From the 1st time we contacted them to the issue of the policy was very, very professional. I was very impressed with the agent who we worked with. His service was impressive.
Khun Suchanda was so helpful and did everything thing in a very professional way. After Aetna basically treat me like a piece of dirt after ten years of taking my money, Luma stepped in and organized me a policy with Pacific Cross which has helped restore my faith in the Health Insurance Industry. I cannot recommend them highly enough.
I must commend you on the service provided by Nattawut. We were unsure of travel insurance needed by our trip to Thailand in April 2022. And even more so when we were struggling for an travel insurance policy for my 76 year old mother. Without his help, we would have struggled. We eventually with his help managed to get the travel insurance we needed. Thank you, Nattawut. Amazing service! Well done.
The rep I dealt with, Khun Chitsakon Subwarodom was superb. Due to Covid rues changing and my ineptness, he had to change to application many time. Always patient and providing a perfect product in the end. He worked very hard on my behalf and I thoroughly recomment him and his company
Scam! Even though the policy states outpatient cover can be provided, they refuse to cover. Even for basic medical costs with doctor’s certificate and official recommendation! Even doctors at Bangkok Hospital recommended not to use them. A poor Thai company that has probably ran out of money to fund its customers.
I have just experienced the best possible customer approach by your valued employee Ms. Suchanad Wongwijitpant. She has demonstrated true professionalism in her ability to interpret understand customers' enquirers and respond right on the point. Her knowledge about insurance matters and not the least her English language skill would certainly motivate a promotion with higher degree of responsibilities.
It remains to see how well the Royal Thai Embassy - Stockholm will received my newly purchased insurance as supporting document to my O-A Visa application.
The actual value of the insurance remains to see in case something unfortunate happens during our stay in Thailand.
Very transparent and prompt service provided by Nattawut to transfer my insurance to Luma. This company seems to be more open and product driven than the usual top heavy marketing of similar offerings.
For us, an international family living in Thailand for more than 10 years.
Luma Health Insurance was an excellent choice as their packages are price competitive and have international coverage.
The customer service is efficient, proactive, and fast, which I love the most "speed."
Any questions or documentation we needed was promptly answered. A few days after sending our applications, we received the Luma care app to download and the personalized insurance card.
Our agent at Luma, Xaynaly, is a world-class operator!
I highly recommend Luma for anyone who seeks local cover in Thailand and international health insurance coverage.
Luma Health Insurance is a great company with highly professional employees. Ms. Neennara Surapatana offers a fantastic customer service. Questions I had asked re. certain aspects of the coverage were well and in a timely manner answered. Within a few days after sending in my application, I received the Luma care app to download and the personalized insurance card.
I highly recommend this company for anyone who seeks international health insurance coverage.
I applied to LUMA for COVID insurance for myself and my wife to enter Thailand. From day one the service has been outstanding, the staff I've dealt with so professional and response times fantastic. I would thoroughly recommend this company if you're looking for insurance to enter Thailand.
I was specifically looking for Covid 19 insurance. After contacting a number of companies offering this policy I settled with Luma Health. Their policy was comprehensive but reasonably priced. Ms Surapatana, a Luma personal solutions representative was extremely helpful, and the whole process was completed very quickly.
Somewhat expensive insurance but provides very good coverage even outside Asia, basically you get what you pay for. The staff is helpful even with complex reimbursement requests which made me renew further. Super easy to just show the insurance card when going to the hospital in Thailand, no need to prepay anything. Overall I feel good knowing I have this insurance if I need it, you can't put a price on health, would recommend!
Very fair value package and very easy to apply for. One of the most user friendly and customer orientated I have come across in a long time. Keep it up.
The Luma team have been really friendly and responsive throughout my policy with them. They kept closely in touch via email and Whatsapp, ensuring that all processes ran very smoothly! Warmly recommend.
Wonderful and immediate responses. The services are well answered and the staff is attentive. The information was easily explained. The needed forms were sent within 5 minutes. I would surely recommend their services!
I bought Luma pass to Thailand last month with Mr. Nuttarut. He assisted me very excellent. After that, I have to change date for my policy, Mr. Nuttarut still provide best service and quick response to my email. Thank you for your professional service and take care us. Well done!! and keep the good work.
I've been served by Emilie and she was very helpful, making sure that my file was processed in time for me to be able to travel a few days later. Friendly and professional, we used the app LINE for our communication, that was very user friendly. After comparing a few offers from different company, I would say this one is slightly better, but stay in the norms. I didn't have to use the service yet, so cannot say anything about it, but one of the reason I chose them is that we don't have to pay in advance, its directly paid trough the insurances.
