Covid Insurance FAQ

For Luma Thailand Pass policy holders

Click above to request the change of any of the following:
– Address
– Beneficiary
– Name
– Passport
– Policy Start Date

Frequently Asked Questions about Luma Thailand Pass

Luma Thailand Pass Coverage

Does the policy cover only COVID-19 or other illnesses as well?

The policy covers medical expenses for sudden and unforeseeable injuries from accident and sickness (including COVID-19 in Thailand) during the travel to Thailand.

Can the coverage start as soon as possible?

The policy start date should be the date you plan to arrive in Thailand because it will only be activated once you pass Thai immigration points.

Please note: the policy start date cannot be changed after the policy has already started, even if you have not travelled to Thailand. If your travel dates have changed, please request to change your policy start date.

Do these travel insurance plans have direct billing to the hospitals?

Yes, these plans offer direct billing for Covid-19 related inpatient medical expenses. For outpatient medical expenses, the insured must pay first and submit a reimbursement. Other inpatient cases not related to Covid-19 will be reviewed on a case by case basis. 

If I am tested positive for Covid-19 during the quarantine but without showing symptoms, does the policy cover related medical costs?

Yes, if you are tested positive for Covid-19 during the state quarantine in Thailand, but not showing any symptoms; the policy will cover related medical costs according to the terms & conditions of the policy. 

Can the policy be renewed?

If your Luma Thailand Pass policy is expiring soon, you can buy a new Luma Thailand Pass policy while being in Thailand if you do not have another medical insurance from a different provider. The new policy start date that starts right after your current policy expires (no gap in coverage).

Please make sure that the new coverage duration matches your current visa and also, if applicable, the duration of the new visa that you are planning to extend.

If you do not choose a yearly policy, kindly note that coverage will automatically stop (expire) if you fly out of Thailand, as per the terms and conditions of the policy.

Note:
1. The first policy will only be active when you fly to Thailand and pass Thai immigration points successfully (the day you arrive in Thailand).

2. Thai nationals joining the Sandbox Program can either purchase a coverage for 30 days or 60 days, but cannot purchase the policy again after the policy is expired.

What duration should I purchase?

The insurance coverage period needs to match your intended entire stay in Thailand, at least. In case of doubt, kindly confirm with the Thai embassy in your country.

Ex: If you’re coming on a STV visa (90 days) and planning to extend your visa once in Thailand in order to stay 270 days (with 2 onsite STV visa renewals), we’d recommend you to apply to the 270 days plan right away before your departure to ensure your visa application (prior to coming to Thailand) and visa renewals (in Thailand) are accepted.

Can I change the policy start date?

Policy holders who have not travelled to Thailand yet can change the policy start date. Please make sure the policy has not already started, otherwise the date change might not be guaranteed.

Please see on top of this page in the “For Luma Thailand Pass policy holders” section and follow instructions to do so. 

Can I change details on my Certificate of Insurance (COI)?

If you have purchased your policy but have not travelled to Thailand yet you can make a request to change details on the Certificate of Insurance (COI).

Please see on top of this page in the “For Luma Thailand Pass policy holders” section and follow instructions to do so. 

How much is it to change details on my Certificate of Insurance (COI)?

Policy holders who have not travelled to Thailand yet can change the policy start date, free of charge. Please make sure the policy has not already started, otherwise the date change might not be guaranteed.

Please see on top of this page in the “For Luma Thailand Pass policy holders” section and follow instructions to do so. 

I am already in Thailand, can I purchase Luma Thailand Pass?

Foreign tourists who are already in Thailand without any medical insurance cover, can apply for Luma Thailand Pass.

Immigration


Please note that Luma Thailand Pass is a travel insurance policy that is NOT related to the Thailand Pass registration system from the government. You can use your Luma Thailand Pass insurance policy to register for the government’s Thailand Pass system at https://tp.consular.go.th

Can you please confirm the certificate is accepted by Thai Embassy or Consulate?

Yes. We guarantee the acceptance of the insurance certificate by Thai embassies and consulates. If your certificate is rejected, please contact us and we’ll help resolve the issue.  

My visa application got rejected by the Thai embassy. Can I cancel my policy and be refunded?

Yes, you can cancel the policy and request for a refund. 

Please see on top of this page in the “For Luma Thailand Pass policy holders” section and follow instructions to do so. 

How do I apply to Thailand Pass or get a Certificate of Entry (COE)?

From November 1, 2021, the Certificate of Entry (COE) has been replaced by Thailand Pass with a QR Code. You can register on the official Thai consular registration system: https://tp.consular.go.th

Please note that Luma Thailand Pass is a travel insurance policy that is NOT related to the Thailand Pass registration system from the government. You can use your Luma Thailand Pass insurance policy to register for the government’s Thailand Pass system at https://tp.consular.go.th

Please also check instructions and guidelines from the Thai embassy or consulate of your country of residence.

Application

Which address should I write in the application form?

The place where you will be staying in Thailand (except for Pattani, Yala and Narathiwat provinces).

What policy start date should I enter if I do not have a flight number yet?

You can fill in any future start date first. Once you have detailed travel information, you can inform our consultant to revise the date.

What does “Beneficiary” mean?

A beneficiary is the person or entity you name in an insurance policy to receive the death benefit (example: wife, husband, father, mother, son or daughter).

Can I apply for Luma Thailand Pass if I am over 74 years old?

For applicant aged 75 and above, please contact [email protected] directly for the suitable plan to enter Thailand.

Can I apply for Luma Thailand Pass for my child less than 1 year old?

For children less than one-year old, please contact [email protected] directly for the suitable plan to enter Thailand.

Claims

In case of emergency, who can I contact?

You can call Tune at 02 078 5625 or 02 078 5621, or send an email at [email protected]

Can the claim reimbursement be paid into a local account in Thailand or also paid into the client’s account in their home country?

Both. Please inform on the below when sending the claim:
1. Account Holder Name :
2. Account Number :
3. Insured Address :
4. Telephone :
5. Bank Name and Branch:
6. Bank address :
7. SWIFT Code :
8. IBAN Code/ Routing Number (IBAN Code for European zone / Routing Number for American zone):
9. Currency :

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