Travel Insurance for Asia

Although travel restrictions have eased and Asia is reopening, there are still health risks you should be wary of when traveling abroad. Luma ASEAN Pass provides the essential coverage that meets the insurance requirement and peace of mind in case you require medical treatments during your trip to Asia. 

Luma ASEAN Pass

Luma ASEAN Pass, 4 travel insurance plans for Asia that includes coverage for Covid-19

See all benefits and limits of Luma ASEAN Pass Travel Insurance in the below table and scroll down this page to see Terms and Conditions, Policy Wording and indicative pricing per period and zone of coverage.

Thailand Pass

Thailand Pass Insurance - Insurance for transit in Thailand

All Luma ASEAN Pass plans are valid for Thailand Pass application. Receive your Certificate of Insurance (COI) in PDF and JPEG directly by email to upload directly on Thailand Pass. For STV visa applications, please contact Luma.

BENEFITS (USD) Economy Premium Economy Business First
I. MEDICAL EXPENSES AND EMERGENCY ASSISTANCE: Covers the cost of medical treatment arising from illness or accident injury for both Inpatient and Outpatient. USD 10,000.00 USD 25,000.00 USD 50,000.00 USD 100,000.00
Medical Expenses: Fees for hospitalization, surgery, ambulance, medicine and tests with a maximum of 261 USD per day for hospital room and board Up to Limit Up to Limit Up to Limit Up to Limit
Follow-up Care: Medical expenses reasonably incurred immediately following discharge from hospital within 90 days of return to home country 5,650 USD 5,650.00 USD 5,650.00 USD 5,650.00
Emergency Evacuation: Emergency Evacuation to the nearest facility capable of providing adequate Medical Care Up to Limit Up to Limit Up to Limit Up to Limit
Repatriation: Repatriation to the country of origin when the Company and attending physician determine that it is necessary Up to Limit Up to Limit Up to Limit Up to Limit
Hospital Cash Allowance: 43 USD for each complete day the Insured Person is hospitalized over 24 hours as a result of a covered disability - - USD 650.00 USD 870.00
Additional Costs of Travel & Accommodation: 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 - - USD 3,050.00 USD 4,350.00
Family Member Visit: 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 aboard - - USD 3,050.00 USD 4,350.00
Return of Children: Reasonable additional accommodation and travelling expenses for unattended insured children (age below 16) return to the country of origin - - USD 3,050.00 USD 4,350.00
Mortal Remains: Transportation charges for Repatriation of the Mortal Remains to the country of origin USD 1,750.00 USD 1,750.00 USD 1,750.00 USD 2,600.00
II. PERSONAL ACCIDENT: Accidental death or permanent disability including loss of one or more limbs or loss of sight in one or both eyes. The limit of cover for children under 18 is 17,400 USD USD 17,400.00 USD 17,400.00 USD 17,400.00 USD 43,500.00
III. INCIDENTAL COVER: Covers incidents during the trip
Baggage and Personal Effects: Loss or damage 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 - - USD 700.00 USD 1,300.00
Baggage Delay: 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 - - USD 100.00 USD 200.00
Loss of Travel Document: 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 USD130 for plan Business and USD174 for plan First - - USD 1,300.00 USD 1,750.00
Personal Money: Loss of Cash, bank notes and travelers checks arising from theft, burglary or robbery - - USD 200.00 USD 350.00
Travel Delay Cash Allowance: 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. - - USD 100.00 USD 150.00
Curtailment of Trip or Cancellation Charges: 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. - - USD 4,000.00 USD 5,650.00
Personal Liability: Indemnity against legal Liability to a third party as a result of accidental injury or Loss or damage to property during the Period of Insurance. (This benefit does not apply to the use or hire of motorized vehicles) - - USD 56,500.00 USD 87,000.00
Rental Car Excess Cover: Reimbursement of Excess which the Insured Person is liable to pay for accidental Loss or damage to a Rental car. - - USD 250.00 USD 450.00
Terms and Conditions for Luma ASEAN 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 ASEAN 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.

Indicative premium per period of coverage for Zone 1: Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand and Vietnam.
Premium for each period of coverage Economy Premium Economy Business First
1 week USD 50.00 USD 55.00 USD 70.00 USD 150.00
2 weeks USD 55.00 USD 60.00 USD 75.00 USD 160.00
3 weeks USD 60.00 USD 65.00 USD 80.00 USD 170.00
1 month USD 60.00 USD 65.00 USD 80.00 USD 170.00
2 months USD 75.00 USD 80.00 USD 110.00 USD 210.00
3 months USD 110.00 USD 120.00 USD 170.00 USD 300.00
4 months USD 180.00 USD 200.00 USD 260.00 USD 500.00
5 months USD 230.00 USD 250.00 USD 350.00 USD 580.00
6 months USD 280.00 USD 300.00 USD 400.00 USD 650.00
Indicative premium per period of coverage for Zone 2: Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand, Vietnam and Singapore.
Premium for each period of coverage Economy Premium Economy Business First
1 week USD 70.00 USD 77.00 USD 95.00 USD 195.00
2 weeks USD 80.00 USD 87.00 USD 110.00 USD 210.00
3 weeks USD 100.00 USD 108.00 USD 130.00 USD 250.00
1 month USD 120.00 USD 130.00 USD 160.00 USD 320.00
2 months USD 180.00 USD 190.00 USD 265.00 USD 450.00
3 months USD 250.00 USD 270.00 USD 380.00 USD 580.00
4 months USD 380.00 USD 420.00 USD 520.00 USD 680.00
5 months USD 480.00 USD 520.00 USD 620.00 USD 720.00
6 months USD 580.00 USD 620.00 USD 720.00 USD 880.00

How to buy Luma ASEAN Pass

  • 1
    Step 1 - Enter travel details
    Select travel dates.
    Arrival date = start date of your travel insurance policy
    Departure date = end date of your travel insurance policy
    Select details about Country of Departure, Country of Arrival (in case of multiple trips within the region, simply enter first destination country), Zone of Coverage, Country of Residence and Number of Travellers (bulk application up to 10 pax per time).
  • 2
    Step 2 - Select your plan
    Please refer to the respective embassy to check latest entry regulations, especially in terms of minimum insurance requirements, if any. In case of multiple trips within the region under the same travel policy, we strongly recommend that you select the highest plan according to the country with the strictest insurance requirements.
  • 3
    Step 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
    Step 4 - Edit / Validate order
  • 5
    Step 5 - Proceed to payment
  • 6
    Receive Certificate of Insurance by email
    The Certificate of Insurance and details about your coverage will be sent to the email you have provided upon application. The Certificate will include a clear mention of the limit of the policy, in USD and including Medical Expenses for Covid-19.
  • Enjoy your trip!

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“Luma ASEAN 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.