Luma members have access to top hospitals in South East Asia, without having to advance payment (direct billing services).

Our experienced in-house medical team can refer our members to the best doctors and medical facilities in order to get a second medical opinion and grant peace of mind when it comes to receiving the best course of treatment. 

Our team can offer multi-language consultation and support. Luma's headquarters are in Bangkok, Thailand and has offices in HCMC, Vietnam, Phnom Penh, Cambodia and Yangon, Myanmar.

Working expatriates in and their families, national residents, and companies seeking local group health insurance.