Luma

Travel Insurance for Asia

Travel Insurance in Asia: Coverage for China, Thailand, Bali, Japan, Malaysia, Vietnam, and the Philippines – Trusted by 60,000 Travelers.

Kishan Loitongbam
Kishan Loitongbam
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Amazing customer support! The entire process was handled smoothly from beginning to end. The staffs are really informed and go the extra mile at every stage. Highly recommended.
Esle van Heerden
Esle van Heerden
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The service was excellent! Emilie was a great help with so much patience. It truly makes a difference if you have someone that responds quickly and doesn’t complain about numerous emails being sent back and forth. Thanks for the excellent service Luma and especially Emilie!
Philip Seiter
Philip Seiter
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Thank you Emilie and rest of the team for your great support and answering all my open questions. 🙂
Jeremiah Ell
Jeremiah Ell
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I went to the Luma office in need of travel insurance for a trip in Southeast Asia. I met Clara who walked me thru the travel insurance details and different options available. She was familiar with all aspects of the policy and was able to answer my questions. Reccomended 😇
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Medical Coverage

Medical Coverage

Repatriation

Emergencies & Repatriation

By Europ Assistance

Europ Assistance travel insurance
travel insurance asia, LUMA Asia Pass

Motor Bike Accidents Coverage

travel insurance asia, LUMA Asia Pass

Trip Cancellation

travel insurance asia, LUMA Asia Pass

Flight Delay

Baggage

Baggage Protection

Personal money

Lost Cash Coverage

Travel Insurance Asia

Discover comprehensive travel insurance for Asia with LUMA Asia Pass. Safeguard your journey across the continent while meeting insurance requirements and ensuring peace of mind against potential health risks. Explore our essential coverage for worry-free travel in Asia.

Travel Insurance Asia Plans

ECONOMY

10,000 USD

Cover

Starting from 49 USD

Medical Expenses for hospitalization up to 10,000 USD:
Fees for hospitalization surgery, ambulance, medicine and tests with a maximum of 261 USD per day for hospital room and board.

 

Follow Up Care in Home Country up to 5,650 USD:
Medical expenses reasonably incurred immediately following discharge from hospital within 90 days of return to home country.

COVID-19 Insurance up to USD 10,000:
Good news, COVID insurance is included in your insurance.

Emergency Evacuation up to 10,000 USD:
To the nearest facility capable of providing adequate medical care.

Repatriation up to 10,000 USD:
Repatriation to the country of origin when the Company and attending physician determine that it is necessary.

Mortal Remains up to 1,750 USD:
Transportation charges for repatriation of the mortal remains to the country of origin.

PREMIUM ECONOMY

25,000 USD

Cover

Starting from 55 USD​

Medical Expenses for hospitalization up to 25,000 USD:
Fees for hospitalization surgery, ambulance, medicine and tests with a maximum of 261 USD per day for hospital room and board.

 

Follow Up Care in Home Country up to 5,650 USD:
Medical expenses reasonably incurred immediately following discharge from hospital within 90 days of return to home country.

COVID-19 Insurance up to USD 25,000:
Good news, COVID insurance is included in your insurance.

Emergency Evacuation up to 25,000 USD:
To the nearest facility capable of providing adequate medical care.

 

Repatriation up to 25,000 USD:
Repatriation to the country of origin when the Company and attending physician determine that it is necessary.

 

Mortal Remains up to 1,750 USD:
Transportation charges for repatriation of the mortal remains to the country of origin.

BUSINESS

50,000 USD

Cover

Starting from 65 USD

Medical Expenses for hospitalization up to 50,000 USD:
Fees for hospitalization surgery, ambulance, medicine and tests with a maximum of 261 USD per day for hospital room and board.

 

Follow Up Care in Home Country up to 5,650 USD:
Medical expenses reasonably incurred immediately following discharge from hospital within 90 days of return to home country.

COVID-19 Insurance up to USD 50,000:
Good news, COVID insurance is included in your insurance.

Emergency Evacuation up to 50,000 USD:
To the nearest facility capable of providing adequate medical care.

 

Repatriation up to 50,000 USD:
Repatriation to the country of origin when the Company and attending physician determine that it is necessary.

 

Mortal Remains up to 1,750 USD:
Transportation charges for repatriation of the mortal remains to the country of origin.

Hospital Cash Allowance up to 650 USD:
43 USD for each complete day the Insured Person is hospitalized over 24 hours as a result of a covered disability.


Additional Costs of Travel & Accommodation up to 3,050 USD:
Additional travelling costs of the Insured Person for returning to the country of origin and additional costs of accommodation incurred by the Insured Person or an insured immediate family member or traveling companion when such costs arise from hospitalization due to a covered disability necessitating medical treatment of the Insured Person.

Family Member Visit up to 3,050 USD:
Travelling costs for 1 immediate family member to join the Insured Person who is confined in hospital for more than 5 days or is dead abroad.

Return of Children up to 3,050 USD:
Reasonable additional accommodation and travelling expenses for unattended insured children (age below 16) return to the country of origin.

Personal Belongings up to 700 USD:
Directly resulting from accident, theft, burglary, robbery or mishandling by carriers to the Insured Person’s baggage or personal items carried. The limit is 217 USD per item and 435 USD per pair or set. Loss of laptop is limited to 435 USD. Mobile phone and other accessories are excluded.

 

Baggage Delay up to 100 USD:
Emergency purchases of essential items of toiletries and clothing up to a maximum of 57 USD per article when the checked baggage is delayed for at least 6 hours from the time of arrival in the eligible countries within the zone of coverage.

 

Loss of Travel Document up to 1,300 USD:
Cost of obtaining replacements of passport, air tickets; travel expenses and accommodation incurred to obtain such replacement arising from theft, burglary, robbery and accidental loss. Maximum limit per day for travel and accommodation expenses is 130 USD for Business plan.

 

Loss of cash up to 200 USD:
Bank notes and travelers checks arising from theft, burglary or robbery. A police report is required.

Travel Delay Cash Allowance up to 100 USD:
If the Insured Person need not pay additional travelling cost in the event of travel delay, the Insured Person will be indemnified at 22 USD for each full 6 hours delay.

Curtailment of Trip or Cancellation Charges up to 4,000 USD:
Reimbursement of irrecoverable prepaid travel arrangement deposits or any increased cost of travel in the event of death, serious injury or illness of the Insured Person, immediate family members, close business partner or travel companion of the Insured Person; witness summons, jury service; natural disasters at the planned destination or complete destruction of the Insured Person’s principal residence.

FIRST

100,000 USD

Cover

Starting from 149 USD

Medical Expenses for hospitalization up to 100,000 USD:
Fees for hospitalization surgery, ambulance, medicine and tests with a maximum of 261 USD per day for hospital room and board.

 

Follow Up Care in Home Country up to 5,650 USD:
Medical expenses reasonably incurred immediately following discharge from hospital within 90 days of return to home country.

COVID-19 Insurance up to USD 100,000:
Good news, COVID insurance is included in your insurance.

Emergency Evacuation up to 100,000 USD:
To the nearest facility capable of providing adequate medical care.

 

Repatriation up to 100,000 USD:
Repatriation to the country of origin when the Company and attending physician determine that it is necessary.

 

Mortal Remains up to 2,600 USD:
Transportation charges for repatriation of the mortal remains to the country of origin.

Hospital Cash Allowance up to 870 USD:
43 USD for each complete day the Insured Person is hospitalized over 24 hours as a result of a covered disability.

 

Additional Costs of Travel & Accommodation up to 4,350 USD:
Additional travelling costs of the Insured Person for returning to the country of origin and additional costs of accommodation incurred by the Insured Person or an insured immediate family member or traveling companion when such costs arise from hospitalization due to a covered disability necessitating medical treatment of the Insured Person.

 

Family Member Visit up to 4,350 USD:
Travelling costs for 1 immediate family member to join the Insured Person who is confined in hospital for more than 5 days or is dead abroad.

 

Return of Children up to 4,350 USD:
Reasonable additional accommodation and travelling expenses for unattended insured children (age below 16) return to the country of origin.

Personal Belongings up to 1,300 USD:
Directly resulting from accident, theft, burglary, robbery or mishandling by carriers to the Insured Person’s baggage or personal items carried. The limit is 217 USD per item and 435 USD per pair or set. Loss of laptop is limited to 435 USD. Mobile phone and other accessories are excluded.

 

Baggage Delay up to 200 USD:
Emergency purchases of essential items of toiletries and clothing up to a maximum of 57 USD per article when the checked baggage is delayed for at least 6 hours from the time of arrival in the eligible countries within the zone of coverage.

 

Loss of Travel Document up to 1,750 USD:
Cost of obtaining replacements of passport, air tickets; travel expenses and accommodation incurred to obtain such replacement arising from theft, burglary, robbery and accidental loss. Maximum limit per day for travel and accommodation expenses is 174 USD for First plan.

 

Loss of cash up to 350 USD:
Bank notes and travelers checks arising from theft, burglary or robbery. A police report is required.

Travel Delay Cash Allowance up to 150 USD:
If the Insured Person need not pay additional travelling cost in the event of travel delay, the Insured Person will be indemnified at 22 USD for each full 6 hours delay.

 

Curtailment of Trip or Cancellation Charges up to 5,650 USD:
Reimbursement of irrecoverable prepaid travel arrangement deposits or any increased cost of travel in the event of death, serious injury or illness of the Insured Person, immediate family members, close business partner or travel companion of the Insured Person; witness summons, jury service; natural disasters at the planned destination or complete destruction of the Insured Person’s principal residence.

Terms and Conditions for LUMA Asia Pass:

  1. 1. The earliest policy start date shall be the purchase date, not before.
    2. The maximum period of insurance for this Policy shall be 180 consecutive calendar days.
    3. Applicants must be aged from 4 weeks to 75 years old.
    4. Children under the age of 7 years old must be accompanied by an adult who is also insured under the same Policy.
    5. The sum insured for Personal Accident for children under 18 years old shall not exceed 17,400 USD.
    6. Policy holders shall submit claims within 6 months after occurred date of the claims.
    7. There is no direct billing for medical expenses unless the expenses exceed 1,000 USD and that the arrangement is coordinated by the Insurer or its designated assistance company.
    8. This policy does not cover preexisting conditions, general exclusions nor medical expenses exclusions as stated in the Policy Wording.
  2. 9. The zone of coverage of LUMA Asia Pass refers to the countries eligible for coverage as stated in the Certificate of Insurance. You will be covered during your insurance policy period for regional or multiple trips within countries included in the zone of coverage.
  3. 10. This Policy is only valid for leisure travel or business travel (limited to administrative and non manual works only) and NOT cover for travel to any of the countries within the zone of coverage to seek for medical treatment.
  4. 11. In case the Insured’s country of origin is one country within eligible zone of coverage, the Policy does NOT cover for any losses or expenses arising from the country of origin of the Insured.
  5. 12. In case the Insured would like to purchase another policy after first policy expires, there shall be no gap in coverage and total duration of coverage of all policies combined shall not exceed 180 days.
    Policy holders reaching 76 years old during the policy are not eligible to purchase a new policy.
    Any event or condition that occurred before the new policy start date is considered pre-existing and the Insured is not able to claim for any of these conditions under the new policy. Should the Insured be actively treated or under the supervision of a Physician or Surgeon, the Insured is not eligible to purchase another policy.

Popular Destinations covered by LUMA Travel Insurance Asia

All Destinations covered by LUMA Travel Insurance Asia

travel insurance for china

China

cheap travel insurance india

India

brunei travel insurance

Brunei

travel insurance myanmar

Myanmar

travel insurance japan

Japan

travel to Mongolia

Mongolia

Travel Insurance Philippines

Philippines

SriLanka

Sri Lanka

travel to east timor

East Timor

travel to bhutan

Bhutan

travel to Taiwan

Taiwan

travel insurance vietnam

Vietnam

travel to Macau

Macau

travel to nepal

Nepal

Cambodia travel insurance

Cambodia

travel to hong kong

Hong Kong

Malaysia Travel Insurance

Malaysia

laos travel insurance

Laos

Travel insurance asia korea

South Korea

Singapore travel insurance

Singapore

travel to Bangladesh

Bangladesh

travel insurance to thailand

Thailand

travel to Maldives

Maldives

Travel Insurance Indonesia

Indonesia

travel to pakistan

Pakistan

How to buy LUMA Travel Insurance Asia

  • 1
    Enter travel details
    Select travel dates and countries of departure / destination.
  • 2
    Select your plan
    Compare our plans and select the best travel insurance plan for you.
  • 3
    Fill your personal details
    Please make sure to input your correct email address, the certificate of insurance will be sent to the email address informed.
  • 4
    Validate order
    Review all information before submitting.
  • 6
    Receive Certificate of Insurance by email
    Enjoy your Trip!

Hear it from our happy members

Luma Health Insurance
4.6
Based on 212 reviews
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Michael
Michael
08:53 09 Oct 22
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.
Stephen Roberts
Stephen Roberts
08:42 05 Oct 22
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.
Yannick Andries
Yannick Andries
08:09 03 Oct 22
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 mineread more
Thomas Andre
Thomas Andre
06:06 23 Aug 22
Big thanks to Clara for being patience, professional and offering a wide range of plans to chose from. Only positive experiences so far ?
Li Li
Li Li
21:09 08 Aug 22
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).Perfect service!!!read more
valerie lawrence
valerie lawrence
11:34 05 Aug 22
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
Abderrahim JAMARI
Abderrahim JAMARI
10:19 02 Jul 22
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.read more
Benji John
Benji John
08:15 20 Jun 22
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 ??????read more
Roxanne La Marque
Roxanne La Marque
10:16 15 Jun 22
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.
Nush Khan
Nush Khan
02:36 11 Jun 22
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.read more
Simon Lin
Simon Lin
10:46 18 May 22
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.
Mr. Joe
Mr. Joe
07:23 18 May 22
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.
Thorsten Michaltseck
Thorsten Michaltseck
15:03 28 Mar 22
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.
christian K Amoh
christian K Amoh
09:48 22 Mar 22
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.read more
Сергей Фомин
Сергей Фомин
08:30 08 Mar 22
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.read more
Loujean LaMalfa
Loujean LaMalfa
03:14 12 Feb 22
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.
Matthew Taylor
Matthew Taylor
10:03 04 Feb 22
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.read more
Ann von Brandis
Ann von Brandis
06:31 03 Feb 22
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.read more
Benz Polsawat
Benz Polsawat
13:15 18 Jan 22
I would recommend Luma Health Insurance to everyone. They are very great service and prompt help. 24/7 on call is very impressive for me.
Vladimir MELNIKOV
Vladimir MELNIKOV
03:26 18 Jan 22
Had a great experience, especially with the customer service. Recommended for Thailand Pass.
Keith Marshall
Keith Marshall
07:54 12 Jan 22
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
Tommy Walker
Tommy Walker
04:23 18 Nov 21
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.Be aware.read more
Peter Mikael
Peter Mikael
07:07 12 Nov 21
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.Sincerely,Peter and Clarita Fehrmread more
Michael Hart
Michael Hart
08:08 09 Nov 21
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.
Dennis Phelps
Dennis Phelps
20:41 14 Sep 21
Why does no one tell about the cost? It is good everyone smiles & friendly. But what is the average cost for people fully Vaccinated
Natalie Glebova
Natalie Glebova
08:43 14 Jun 21
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.read more
Erica Cheong
Erica Cheong
05:58 30 Apr 21
The staff is able to speak good English. I appreciate LUMA's understanding to allow policy holders to defer the start date of The Thailand Pass.
Jannie Vurmik
Jannie Vurmik
09:18 09 Apr 21
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.read more
Bangkokney
Bangkokney
07:57 30 Mar 21
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.
Allen Cooper
Allen Cooper
04:42 06 Feb 21
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.read more
Alexander Eriksson
Alexander Eriksson
15:54 03 Feb 21
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!read more
369श्येन
369श्येन
03:51 21 Jan 21
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.
Katie Bartholomew
Katie Bartholomew
14:58 12 Jan 21
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.
Sara Mercer Curbelo
Sara Mercer Curbelo
08:40 11 Jan 21
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!
Smile
Smile
13:18 13 Oct 20
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.Regards,read more
Ross Algie
Ross Algie
02:28 10 Sep 20
Luma Health appears to be a well organised and professional company.
Quentin C (Q)
Quentin C (Q)
05:09 14 Jul 20
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.read more
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FAQ - LUMA Asia Pass

LUMA Asia Pass Coverage

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 to a depth greater than 20 meters below sea level.
  • – Losses which are indirect and consequential in nature.

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.

LUMA Asia Pass Application

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).

Children aged at least 4 weeks are eligible to apply for LUMA Asia Pass.

Children under the age of 7 years must be accompanied by an adult who is also insured under the same Policy.

LUMA Asia Pass Claims

To submit a claim, please follow the link below. Please follow all instructions and submit all information and documents as indicated in the claims form.

For emergencies, please call Luma at +6624943600. 

LUMA Asia Pass policy holders have up to 30 days after the expiry of their policy, to submit their claims. To claim under the “Personal Liability” section of the policy, the claims must be given within 15 days after the incident.  

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 :

Modify Certificate of Insurance (COI)

To change of any of the following:



For travelers who have purchased a policy with LUMA Asia Pass and who have not travelled yet; changes on the Certificate of Insurance (COI) are free of charge. 

Request Cancellation and Refund

For travelers who have purchased a policy with LUMA Asia Pass and who have not travelled yet; you can request to cancel your policy and ask for a refund. 

Please also note: the cancellation must be based on a reasonable reason, prior to the start date of the policy. 



“LUMA Asia Pass” is the commercial name of the travel insurance policy insured by Bao Long Insurance Corporation, distributed globally by Luma International and serviced by Luma Care Co. Ltd.