Travel Insurance for Asia

The policy covers medical expenses for sudden and unforeseeable injuries from accident and sickness (including COVID-19) during the travel to the country within the zone of coverage.

There is no direct billing in respect of medical expenses provided under this Policy unless the expenses are expected to exceed 1,000 USD and that the arrangement is coordinated by the Company or its designated assistance company.

• Pre-existing Illness or Injury, congenital conditions or birth defects.

• The following Disabilities whether occurring prior to or during the Period of Insurance: hemorrhoids, hernia, diseased tonsils requiring surgery, pathological abnormalities of nasal septum or turbinate, hyperthyroidism, cataracts, sinus conditions requiring surgery, endometriosis, tuberculosis, anal fistulae, cholecystitis, calculi of all kinds, urethra or bladder abnormalities or disease, gastric or duodenal ulcer, hallux valgus, all forms of tumors or cancer, malignancies, disorders of blood or bone marrow, diabetes mellitus and HIV (human immunodeficiency virus) and HIV related illness including AIDS (Acquired Immunity Deficiency Syndrome) and AIDS related conditions.

• War, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), civil war, military rising, insurrection, rebellion, revolution, military or usurped power, martial law, mutiny or riot or civil commotion assuming the proportions of or amounting to a popular rising.

• Acts of terrorism or action taken in controlling, preventing, suppressing or in any way relating to any act of terrorism, regardless of any other cause or event contributing concurrently or in any other sequence of the loss. An act of terrorism means an act – whether involving violence or the use of force or not – or the threat or the preparation thereof, of any person or group(s) of persons – whether acting alone or on behalf of or in connection with any organization(s) or government(s) – which appears to be intended to intimidate or influence a de jure or de facto government or the public or a section of the public, or disrupt any segment of the economy and from its nature or context is done in connection with political, social, religious, ideological or similar causes or objectives.

• Suicide, attempted suicide or intentional self-inflicted bodily injuries, psychiatric and mental disorders, insanity, abortion, miscarriage, child birth, venereal disease, the use of alcohol, drugs or solvents other than those prescribed by a qualified registered physician; dental treatment unless resulting from accidental bodily injury to sound and natural teeth.

• Nuclear fission, nuclear fusion or radioactive contamination.

• Accidents whilst engaging in (including any practice or conditioning program for) any sports or games in a professional capacity or organized contact sports, racing (other than on foot), motor rallies and competitions, rock or mountain climbing normally involving the use of ropes or other equipment, potholing, skydiving, hang gliding, parachuting, hunting on horseback, entering/ descending or flying in any aircraft other than a properly licensed aircraft operated by a recognized airline in which the Insured Person is traveling as a fare-paying passenger, engaging in any kind of manual labor work either in business or leisure, or engaging in hazardous works including but not limited to offshore activities, commercial diving, oil well drilling, mining, handling of explosive, construction site working, stunt works and aerial photography.

• Trekking at an altitude limit greater than 5,000 meters above sea level or scuba diving. Trekking and mountain climbing activities in Nepal are excluded from this policy.
• Losses which are indirect and consequential in nature.
• Claims arising from services and treatments at (KUTA Emergency Clinic on Jl. Raya Kuta Mong II Desa Kab., Kuta, Lombok Tengah, Indonesia) will not be covered under this policy

If you would like to change the start and end dates of your LUMA Asia Pass policy, please contact our teams. 

Please note: the former plan duration and the new revised plan duration should remain within the same range. If not, we invite you to cancel the existing policy and purchase a new one with the correct dates.

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

Please contact our teams to do so.