LUMA Thailand Insurance Guide for Expats in 2026
LUMA is one of the top insurance providers for expats and travelers in Thailand, offering tailored international health coverage to individuals, families, and businesses and ensuring access to trusted hospitals like Samitivej, Bangkok Hospital, and Bumrungrad International.
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Expats in Thailand often rely on LUMA for its customizable international health insurance plans, multilingual support, and valuable benefits such as 24/7 emergency assistance and a Second Medical Opinion service.
In this Pacific Prime article, we break down everything you need to know about LUMA’s health and travel insurance options for residents and visitors in Thailand. We’ll also explain how working with an insurance broker like Pacific Prime can benefit you.
About LUMA: Trusted Insurance for Thailand Expats
LUMA has been operating in Thailand for over a decade, with headquarters in Bangkok and regional offices in Vietnam, Cambodia, Myanmar, and France. To facilitate a smooth insurance journey, LUMA provides their members with tailored coverage and 24/7 multilingual support.
LUMA has insured over 5,000 families and companies in Thailand and is partnered with more than two million leading medical providers, such as Samitivej Hospitals, Bangkok Hospital, and Bumrungrad International Hospital.
Why Choose LUMA Insurance?
LUMA is an excellent choice for expats and travelers because they offer highly customizable insurance plans and benefits like a 24/7 hotline, the Second Medical Opinion service, and the LUMA Privilege program within the reach of your fingertips via the LUMA Care mobile application.
LUMA’s Second Medical Opinion Service
LUMA’s Second Medical Opinion service provides access to medical opinions and consultations from their in-house medical team. This program is beneficial for those who want to gain confidence and ensure accuracy through a second opinion from another healthcare professional.
Since the chance of misdiagnosis can be significantly lowered when you consult two doctors over one illness or set of symptoms, LUMA recommends you opt for the Second Medical Opinion service when:
- You get an ambiguous diagnosis or unclear result
- The doctor recommends a controversial treatment
- The doctor refers you to another doctor or expert in a different field
- Your current treatment is ineffective
- You lack confidence in your current doctor
Exclusive Member Benefits with LUMA
Every LUMA member has access to a wide range of privileges provided by the company and its partners. From a free oral check-up in Thailand’s most famous hospitals to membership discounts for vehicle rental services and exclusive rates for various nursery schools, you’re guaranteed to get them all.
LUMA’s insurance plans are great for everyone, but the company specializes in expat and tourist coverage in Thailand. We listed the best expat plans from the company’s many comprehensive plans below.
Health Insurance Plans for Expats in Thailand
LUMA offers expats living and working in Thailand access to their comprehensive insurance plans that provide up to 50 million (approximately USD $1,612,400) in coverage. These plans can be customized to match the needs and budgets of their members.
Depending on your budget and where you often travel to, you can choose the countries you’d like to visit for treatments from the following zones:
- Zone A: Worldwide (excluding the United States)
- Zone B: Worldwide (excluding the United States, Canada, Switzerland, Israel, Japan, Hong Kong, the Bahamas, and China)
- Zone C: Worldwide (excluding the United States, Canada, Switzerland, Israel, Japan, Hong Kong, Bahamas, China, Russia, United Kingdom, Singapore, Taiwan, and Brazil)
Their plans are always available for purchase through a 24-hour hotline, so you can choose the most optimal health insurance for yourself, your family, or your children from 15 days to 17 years of age and get coverage from the plans listed below anytime you’d like.
1. Hi5 Plan: Flexible Coverage up to THB Five Million
LUMA’s Hi5 health insurance plan offers high coverage at THB ฿5,000,000 annually, with customizable room limits, deductible premiums, and optional benefits for an individual of any nationality aged up to 70 years old who resides in Thailand for at least 180 days per year.
Hi5 also lets you customize the coverage options for each benefit it offers. This includes:
- Inpatient Benefits
The Hi5 Plan 1 with a THB ฿5,000,000 (~USD $161,240) annual limit allows for full coverage of a standard private room within the Hi5 Network and THB ฿5,000 (~USD $161) for daily room-and-board expenses.
On the other hand, you can choose Hi5 Plan 2 with a THB ฿5,000,000 (~USD $161,240) annual limit that allows for full coverage of a standard private room within the Hi5 Network and THB ฿8,000 (~USD $258) for daily room-and-board expenses.
- Out-of-Area Emergency Medical Benefit
For frequent travelers, the plan also provides you with worldwide coverage in case of medical emergencies and accidents outside the area of coverage for a maximum of 90 days per trip, 180 days per year, and THB ฿1,250,000 (approximately USD $40,300) per policy year.
- Outpatient Benefits (Optional)
The plans offer Outpatient Option 1 that provides you with THB ฿40,000 (~USD $1,288) with 50% copayment per year and Outpatient Option 2 that gives you THB ฿200,000 (~USD $6,445) per year with no copayment.
- Dental Option (Optional)
You can choose between Dental Option 1 for THB ฿20,000 (~USD $644) , Dental Option 2 for THB ฿60,000 (~USD $1,933), and Dental Option 3 for THB ฿100,000 (~USD $3,222). All options include a 10% copayment per year.
- Maternity Option (Optional)
Hi5 provides soon-to-be mothers with Maternity Option 1 that covers THB ฿200,000 (~USD $6,445) and Maternity Option 2 that provides THB ฿300,000 (~USD $9,668) coverage for pregnancy and childbirth per year. Each option also comes with coverage for neonatal care within 25 days after birth.
Hi5’s maternity option has a short waiting period of only 10 months, making it highly convenient for mothers planning to apply for the coverage and claim the benefits within the same year.
- Vision Option (Optional)
If you’d like to get coverage for vision treatment, the plan offers a Vision Option that allows for THB ฿10,000 (~USD $322) annual coverage.
Please note that you may be asked to disclose medical information, pre-existing conditions won’t be covered by the plan, and there may be waiting periods for some benefits. Moreover, high-risk occupations such as medical professionals, athletes, and policemen are not eligible for the plan.
For more information regarding the terms and conditions of the plan, please refer to LUMA’s Hi5 policy guide.
2. PRIME Plan: Premium Health Coverage up to THB 50 Million
For superior medical coverage, LUMA’s PRIME health insurance plans can put your mind at ease with up to THB ฿50 million (USD $1,612,400) coverage for an individual of every nationality aged up to 70 years old who resides in Thailand for at least 180 days per year.
PRIME plans cover all types of cancer, pandemics, and medical emergencies and accidents occurring outside your area of coverage for up to 90 days per trip, 180 days per year, and THB ฿8,000,000 (approximately USD $257,650) per policy year. It also guarantees lifetime renewal until 99 years old.
Apart from outpatient, dental, maternity, and vision options to add to your plan, you can choose your desired PRIME health insurance plan based on the coverage each type of plan provides:
| Type of Coverage | PLAN 1 (THB)
Annual limit: THB ฿10M (~USD $322,513) |
PLAN 2 (THB)
Annual limit: THB ฿30M (~USD $967,539) |
PLAN 3 (THB)
Annual limit: THB ฿50M (~USD $1,612,565) |
| Inpatient Coverage | |||
| Room and board (per day) | THB ฿12,000 (USD $387) with full coverage for a standard private room within PRIME network | THB ฿15,000 (USD $483) with full coverage for a standard private room within PRIME network | THB ฿20,000 (USD $645) with full coverage for a standard private room within PRIME network |
| ICU room and board | Paid in full | Paid in full | Paid in full |
| Medical service fees | Paid in full | Paid in full | Paid in full |
| Attending medical professional fees | Paid in full | Paid in full | Paid in full |
| Medical expenses for surgery | Paid in full | Paid in full | Paid in full |
| Major surgery | Paid in full | Paid in full | Paid in full |
| Cancer treatment | Paid in full | Paid in full | Paid in full |
| Ambulance | Paid in full | Paid in full | Paid in full |
| Reconstructive surgery following accident | Paid in full | Paid in full | Paid in full |
| Psychiatric treatment in hospital | – | Paid in full (up to 15 days per policy year) | Paid in full (up to 20 days per policy year) |
| Day-care Coverage | |||
| Pre- and post-medical expenses | THB ฿30,000 (USD $967) per policy year | THB ฿50,000 (USD $1,612) per policy year | THB ฿100,000 (USD $3,225) per policy year |
| Outpatient medical expenses in case of injury within 24 hours from an accident | Paid in full | Paid in full | Paid in full |
| Rehabilitation expenses after an inpatient stay | Paid in full (up to 10 days per policy year) | Paid in full (up to 30 days per policy year) | Paid in full (up to 30 days per policy year) |
| Kidney dialysis | THB ฿200,000 (USD $6,450) per policy year | THB ฿1,500,000 (USD $48,372) per policy year | THB ฿2,000,000 (USD $64,450) per policy year |
| Minor surgery | Paid in full | Paid in full | Paid in full |
| Parent accommodation | THB ฿1,500 (USD $48) per day up to 30 days per policy year | THB ฿1,500 (USD $48) per day up to 30 days per policy year | THB ฿1,500 (USD $48) per day up to 30 days per policy year |
| Nursing care at home | THB ฿15,000 (USD $483) per policy year | THB ฿30,000 (USD $967) per policy year | THB ฿30,000 (USD $967) per policy year |
| Day-care treatment | Paid in full | Paid in full | Paid in full |
| Treatment of infectious diseases (HIV) and immunodeficiency (AIDS) | THB ฿100,000 (USD $3,223) per policy year | THB ฿500,000 (USD $16,115) per policy year | THB ฿500,000 (USD $16,115) per policy year |
| Congenital abnormalities | THB ฿100,000 (USD $3,223) per policy year | THB ฿300,000 (USD $9,672) per policy year | THB ฿600,000 (USD $19,343) per policy year |
| Wheelchair or crutches | THB ฿10,000 (USD $322) per policy year | THB ฿30,000 (USD $967) per policy year | THB ฿50,000 (USD $1,611) per policy year |
| Out-of-area emergency medical coverage (up to 90 days per trip at a maximum of 180 days per policy year) | THB ฿2,500,000 (USD $80,580) per policy year | THB ฿7,500,000 (USD $241,767) per policy year | THB ฿8,000,000 (USD $257,885) per policy year |
Please note that you may be asked to disclose medical information, your pre-existing conditions won’t be covered by the plan, and there may be waiting periods for some benefits. High-risk occupations such as medical professionals, athletes, and policemen are not eligible for the plan.
For more information regarding the terms and conditions of the plan, please refer to LUMA’s PRIME policy guide.
LUMA Travel Insurance Options for Visitors to Thailand
LUMA also provides exhaustive travel insurance plans. Whether you’re a traveler planning to indulge in Thailand’s golden sun or a resident going on an adventure abroad this upcoming holiday, LUMA has just the right insurance plans for you.
Traveling to other countries doesn’t always go as planned, and unexpected accidents can happen at any time. With travel insurance, you can make sure you won’t be left stranded in the event of medical emergencies, trip cancellations, and other unfortunate incidents.
Coverage for Tourists Visiting Thailand
LUMA offers a worry-free journey to Thailand with travel insurance for those who aren’t residents of Thailand. Starting from only USD $49, LUMA can provide individuals aged from four weeks to 75 years old with up to USD $100,000 coverage.
Known for its affordability and accessibility, LUMA Travel Insurance offers tourists of every nationality different plans for traveling to Thailand without compromising on quality:
| Type of Coverage | ESSENTIAL | EXPLORER | ADVENTURER | PIONEER |
| Prices (10-day duration) | USD $42 (THB ฿1,300) | USD $58 (THB ฿1,800) | USD $94 (THB ฿2,917) | USD $154 (THB ฿4,780) |
| Medical Expenses and Hospitalization | ||||
| Emergency medical expenses (with a maximum of 261 per day for hospital room and board) | USD $200,000 (THB ฿6,206,400) | USD $400,000 (THB ฿12,412,800) | Unlimited | Unlimited |
| Emergency Evacuation and Repatriation Benefits | ||||
| Emergency evacuation | Unlimited | Unlimited | Unlimited | Unlimited |
| Repatriation to the country of origin | Unlimited | Unlimited | Unlimited | Unlimited |
| Repatriation of mortal remains to the country of origin | USD $2,000 (THB ฿62,062) | USD $2,000 (THB ฿62,062) | USD $2,000 (THB ฿62,062) | USD $2,000 (THB ฿62,062) |
| Additional costs of travel and accommodation | – | – | USD $3,000 (THB ฿93,089) | USD $4,500 (THB ฿139,635) |
| Family visit | – | – | USD $3,000 (THB ฿93,089) | USD $4,500 (THB ฿139,635) |
| Return of children | – | – | USD $3,000 (THB ฿93,089) | USD $4,500 (THB ฿139,635) |
Please note that you may be asked to disclose medical information, as your pre-existing conditions won’t be covered by the plan. Moreover, high-risk occupations such as medical professionals, athletes, and policemen are not eligible for the plan.
For more information regarding the terms and conditions of the plans, please refer to the LUMA Travel Insurance policy.
LUMA GO: Travel Insurance for Thailand-Based Expats
LUMA GO can financially protect healthy expats or locals aged one to 85 years old who reside in Thailand and are looking for a change of environment, offering coverage up to five million THB (approximately USD $161,238) maximum coverage, starting from only THB ฿199 (~USD $6.41).
Depending on your needs and preferences, you can choose to get covered for a whole week abroad with a wide range of plans:
| Type of Coverage | Plan LITE | Plan 1 | Plan 2 | Plan 3 |
| Prices | Starting from THB ฿199 (~USD $6.41) | Starting from THB ฿299 (~USD $9.64) | Starting from THB ฿469 (~USD $15.11) | Starting from THB ฿599 (~USD $19.30) |
| Medical Expenses and Hospitalization | ||||
| Medical expenses while abroad | THB ฿1,000,000 (USD $32,222) | THB ฿2,000,000 (USD $64,444) | THB ฿3,000,000 (USD $96,666) | THB ฿5,000,000 (USD $161,111) |
| Personal accident coverage | THB ฿1,000,000 (USD $32,222) | THB ฿2,000,000 (USD $64,444) | THB ฿3,000,000 (USD $96,666) | THB ฿5,000,000 (USD $161,111) |
| Emergency Evacuation | ||||
| Emergency evacuation and repatriation to Thailand | THB ฿1,000,000 (USD $32,222) | THB ฿1,500,000 (USD $48,345) | THB ฿3,000,000 (USD $96,666) | THB ฿5,000,000 (USD $161,111) |
| Repatriation of mortal remains to Thailand | THB ฿1,000,000 (USD $32,222) | THB ฿1,500,000 (USD $48,345) | THB ฿3,000,000 (USD $96,666) | THB ฿5,000,000 (USD $161,111) |
| Travel Benefits | ||||
| Loss or damage of personal effects | – | – | THB ฿30,000 (USD $967) | THB ฿50,000 (USD $1611) |
| Baggage delay | – | – | THB ฿20,000 (USD $645) | THB ฿25,000 (USD $805) |
| Loss of travel document | – | – | THB ฿10,000 (USD $322) | THB ฿30,000 (USD $967) |
| Loss of personal funds | – | – | THB ฿5,000 (USD $161) | THB ฿30,000 (USD $967) |
| Home protection | – | – | – | THB ฿100,000 (USD $3,223) |
Please note that you may be asked to disclose medical information, as your pre-existing conditions won’t be covered by the plan. Moreover, high-risk occupations such as medical professionals, athletes, and policemen are not eligible for the plan.
For more information regarding the terms and conditions of the plans, please refer to LUMA GO policy.
How Pacific Prime Helps You Get LUMA Insurance
Pacific Prime simplifies Thailand’s complex insurance market and finds the best health insurance plan, including options from LUMA for you, your family, and your workforce.
With countless plans and promotions available, finding the right coverage can feel overwhelming. Experienced insurance brokers help you compare options clearly, assess the pros and cons, and choose a plan that truly fits your needs and budget.
Backed by over 20 years of industry experience, Pacific Prime is trusted by individuals and businesses worldwide. We provide impartial advice, access to a wide range of insurers, and ongoing support so you can make informed decisions with confidence.
Operating across 16 strategic locations globally and partnering with organizations such as law firms and educational institutions, we continue to expand our network to better serve you, wherever you are.
Frequently Asked Questions
What is the best health insurance for expats in Thailand?
While there’s no single best health insurance for expats in Thailand, but leading providers like LUMA, Pacific Cross, Allianz Ayudhya, and AXA offer reliable, expat-tailored coverage. Ultimately, the right choice depends on your needs, coverage priorities, and budget.
How do I buy health insurance in Thailand?
International insurance for Thailand is available for purchase directly with the insurance provider of your choice. However, if you want to browse different plans from various providers, you can reach out to a leading insurance broker like Pacific Prime.
Does LUMA cover a person older than 70 years old?
While LUMA’s health insurance packages like Hi5 and PRIME only provide medical coverage for individuals aged up to 70 years old, the company’s travel insurance plans are able to cover individuals from one year of age to 85 years old to ensure everyone has a safe trip to and back from Thailand.
Conclusion
If you’re an expat or a traveler in Thailand, LUMA offers some of the top options, including LUMA Hi5, LUMA Prime, LUMA GO, and LUMA Travel Insurances, each with appealing benefits and privileges.
While the number of available plans can be overwhelming, you can rest assured you’ve got everything covered with the help of an insurance broker like Pacific Prime. We can help you secure both health and travel insurance that is most suitable for your needs in Thailand and beyond.
Contact our experienced consultants for more specific inquiries. We also offer an obligation-free quote and a free plan comparison service you can access with a couple of clicks on our website.
Whether you’re interested in LUMA’s comprehensive insurance plans or would like to learn more about the plans other providers like IMG, Cigna, and Blue Cross Blue Shield Global Solutions offer, Pacific Prime is ready to share our insights with you.
With her background as an avid traveler and as an exchange student in Spain, Palida values the benefits of insurance and understands the frustrations that may come with making the best decisions for your health and safety in an unknown environment. Here at Pacific Prime, she aspires to create content that will help expats and travelers understand international health insurance with ease.
In her spare time, Palida enjoys reading short stories as much as binging on sitcoms. She is also a self-proclaimed "foodie" with the goal of trying as many cuisines from all over the world as possible. Combining her passion for writing with her love for food, she is an aspiring Google Local Guide reviewer.
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Have you experienced any difficulties with language barriers or misunderstandings when using medical services in Thailand? How has your insurance provider helped in these situations?
Language barriers can occasionally be challenging when using medical services in Thailand, especially in smaller hospitals or clinics where English may not be widely spoken. However, insurance providers like LUMA often mitigate these challenges by offering multilingual support through their 24/7 hotlines, access to English-speaking healthcare providers within their extensive network (such as Bumrungrad International Hospital), and services like the Second Medical Opinion for clarity on diagnoses or treatments. Additionally, LUMA’s mobile app and concierge services provide a seamless way to navigate medical care and paperwork.
For tailored assistance or insurance options to suit your needs as an expat in Thailand, feel free to contact us via the Pacific Prime contact page.
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