Luma Thailand Pass

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

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.

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 are on a pay & claim basis.

Luma Thailand Pass coverage includes costs related to medical treatments that are deemed medically necessary only. 

Individuals who test positive to Covid-19 with mild or no symptoms do no longer need to quarantine as per the latest regulations of the Thai Ministry of Public Health. 

Should asymptomatic customers choose to quarantine in a hotel/hospitel or self-isolate on their own agreement, their isolation expenses (room, food, alcohol gel, masks etc…) will not be covered by the insurance policy.

However, should asymptomatic clients be clinically advised and referred by a medical professional (e.g. certified doctor) to forced quarantine in a hospital or hospitel, their isolation expenses will be covered by the insurance policy. 

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.

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.

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. 

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. 

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. 

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