LUMA Health Insurance In Thailand: For Expats And Travelers
LUMA is a top choice for expats and tourists in Thailand as an esteemed insurance provider with a focus on providing international coverage in Asia. They offer insurance plans tailored to the needs of individuals, families, and businesses in Thailand.
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Boasting wonderful landscapes and refreshing weather, Thailand has been one of the top destinations for expatriates and travelers from all over the world. With a high quality of life and incredibly affordable cost of living the country offers, more people have been coming to Thailand every year.
Apart from sunshine and smiles, living in Thailand can still be a challenge to those who are new to the country’s way of life. There are people falling ill because of the unfamiliar weather and food annually, and the cost of healthcare in Thailand can be remarkably higher than other expenses.
This is why many expats choose to protect themselves with the financial support of international health insurance. Whether it’s health or travel, the right insurance policy will provide you and your loved ones with access to treatment in top hospitals and protect you from unforeseen medical expenses.
If you plan to settle down or travel to Thailand but haven’t decided on your insurance provider yet, you’ve come to the right place. Before receiving a free quote from us, Pacific Prime will make sure you’re equipped with necessary information about LUMA and their insurance plans in this article.
LUMA: Thailand Insurance Provider Introduced For Expats
Headquartered in Thailand, LUMA has regional offices in Vietnam, Cambodia, Myanmar, and France with multilingual staff to support a diverse group of global residents. The firm is partnered with more than two million medical providers and has insured over 5,000 families and companies in Thailand.
With their mission to ensure everyone a healthier and longer life, LUMA has been operating in Thailand for over a decade. The company provides their members with an extensive network of leading medical providers such as Samitivej Hospitals, Bangkok Hospital, and Bumrungrad International Hospital.
Why LUMA?
LUMA is an excellent choice for expats and travelers because they not only offer highly customizable insurance plans but also benefits like 24/7 hotline, the Second Medical Opinion service, and LUMA Privilege program within the reach of your fingertips via the LUMA Care mobile application.
Second Medical Opinion
LUMA’s Second Medical Opinion service provides access to medical opinions and consultation from their in-house medical team. This is important for those who feel they have been misdiagnosed and would like to have 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 to opt to 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
LUMA Privilege
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.
While LUMA’s insurance plans are great for everyone, they specialize in providing individual and group coverage for expats living in Thailand and those traveling to the country. From many of the comprehensive plans the company offers, we’ve compiled the ones that are most suitable for expats below.
LUMA Health Insurance In Thailand For Expats
LUMA offers expats living and working in Thailand access to their comprehensive insurance plans that provide up to THB ฿5-50 million (approximately USD $143,300-1,400,000) coverage. These plans can be customized to match the needs, and budgets of their members along with appealing privileges.
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, 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)
Since their plans are always available for purchase with 24-hour hotline and support in case of emergencies, 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 Health Insurance
Hinted in the name, LUMA’s Hi5 health insurance plan offers high coverage at THB ฿5 million 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.
“We understand that ethical healthcare isn’t always a given, but at LUMA, we strive to offer healthcare that’s easy, accessible, and above ethical. This is why we have designed Hi5 plans: to offer quality healthcare that’s affordable and compassionate,” said Chief Medical Officer Dr. Gerard Lalande.
Hi5 provides you with worldwide coverage for medical emergencies and accidents at the maximum of 90 days per trip, 180 days per year, and THB ฿1,250,000 (approximately USD $35,785) per policy year. Hi5 also lets you customize the coverage options for each benefit it offers. This includes:
- Inpatient Benefits
There’s Hi5 Plan 1 with THB ฿5,000,000 (~USD $143,300) annual limit that allows for full coverage of a standard private room within Hi5 Network and THB ฿5,000 (~USD $143.30) for daily room-and-board expense.
On the other hand, you can choose Hi5 Plan 2 with THB ฿5,000,000 (~USD $143,300) annual limit that allows for full coverage of a standard private room within Hi5 Network and THB ฿8,000 (~USD $230) for daily room-and-board expense.
- Outpatient Benefits (Optional)
The plans offer Outpatient Option 1 that provides you with THB ฿40,000 (~USD $1,150) with 50% copayment per year and Outpatient Option 2 that gives you THB ฿200,000 (~USD $5,730) per year.
- Dental Option (Optional)
You can choose between Dental Option 1 for THB ฿20,000 (~USD $570) with 10% copayment per year, Dental Option 2 for THB ฿60,000 (~USD $1,720) with 10% copayment per year, and Dental Option 3 for THB ฿100,000 (~USD $2,860) with 10% copayment per year.
- Maternity Option (Optional)
Hi5 provides soon-to-be mothers with Maternity Option 1 that covers THB ฿200,000 (~USD $5,730) and Maternity Option 2 that provides THB ฿300,000 (~USD $8,590) coverage for pregnancy and childbirth per year. Each option also comes with coverage for neonatal care within 25 days after birth.
Additionally, 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 Vision Option 1 that allows for THB ฿10,000 (~USD $290) annual coverage.
Please note that you may be asked to disclose medical information as your 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 Health Insurance
If you’re looking for health insurance that provides superior medical coverage, LUMA’s PRIME health insurance plans can put your mind at ease with THB ฿50 million exhaustive coverage for an individual of every nationality aged up to 70 years old who resides in Thailand for at least 180 per year.
From coverage for all types of cancer and pandemics to guaranteed renewal until 99 years old and extended support, PRIME plans cover you everywhere for medical emergencies and accidents for up to 90 days per trip, 180 days per year, and THB ฿8,000,000 (approximately USD $228,900) per policy year.
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 $286,210) |
PLAN 2 (THB ฿)
Annual limit: THB ฿30M (~USD $858,630) |
PLAN 3 (THB ฿)
Annual limit: THB ฿50M (~USD $1.4M) |
| Inpatient Coverage | |||
| Room and board | 12,000 (per day) with full coverage for a standard private room within PRIME network | 15,000 (per day) with full coverage for a standard private room within PRIME network | 20,000 (per day) 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 fee | 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 | 30,000 (per policy year) | 50,000 (per policy year) | 100,000 (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 | 200,000 (per policy year) | 1,500,000 (per policy year) | 2,000,000 (per policy year) |
| Minor surgery | Paid in full | Paid in full | Paid in full |
| Parent accommodation | 1,500 (per day up to 30 days per policy year) | 1,500 (per day up to 30 days per policy year) | 1,500 (per day up to 30 days per policy year) |
| Nursing care at home | 15,000 (per policy year) | 30,000 (per policy year) | 30,000 (per policy year) |
| Day-care treatment | Paid in full | Paid in full | Paid in full |
| Treatment of infectious diseases (HIV) and immunodeficiency (AIDS) | 100,000 (per policy year) | 500,000 (per policy year) | 500,000 (per policy year) |
| Congenital abnormalities | 100,000 (per policy year) | 300,000 (per policy year) | 600,000 (per policy year) |
| Wheelchair or crutches | 10,000 (per policy year) | 30,000 (per policy year) | 50,000 (per policy year) |
| Worldwide Coverage | |||
| Medical emergencies or accidents outside the area of coverage | 2,500,000 per policy year (up to 90 days per trip at maximum of 180 days per policy year) | 7,500,000 per policy year (up to 90 days per trip at maximum of 180 days per policy year) | 8,000,000 per policy year (up to 90 days per trip at maximum of 180 days per policy year) |
Please note that you may be asked to disclose medical information as your 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 PRIME policy guide.
LUMA Travel Insurance in Thailand for Travelers
Apart from medical coverage, LUMA also provides exhaustive travel insurance plans. Whether you’re a traveler planning to indulge yourself 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.
LUMA’s Travel Insurance for Travelers Traveling to Thailand
LUMA offers a worry-free journey to Thailand with travel insurance for those who aren’t a resident of Thailand. Starting from only USD $49, LUMA can provide individuals aged from 4 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 | ECONOMY (USD $)
USD $49 Duration: one week |
PREMIUM ECONOMY (USD $)
USD $55 Duration: one week |
BUSINESS (USD $)
USD $65 Duration: one week |
FIRST (USD $)
USD $149 Duration: one week |
| Medical Expenses and Hospitalization | ||||
| Medical expenses for hospitalization | 10,000
(with a maximum of 261 per day for hospital room and board) |
25,000
(with a maximum of 261 per day for hospital room and board) |
50,000
(with a maximum of 261 per day for hospital room and board) |
100,000
(with a maximum of 261 per day for hospital room and board) |
| Follow up care in home country within 90 days of return | 5,650 | 5,650 | 5,650 | 5,650 |
| COVID-19 Coverage | ||||
| COVID-19 insurance | 10,000 | 25,000 | 50,000 | 100,000 |
| Emergency Evacuation | ||||
| Emergency evacuation | 10,000 | 25,000 | 50,000 | 100,000 |
| Repatriation to the country of origin | 10,000 | 25,000 | 50,000 | 100,000 |
| Repatriation of mortal remains to the country of origin | 1,750 | 1,750 | 1,750 | 2,600 |
| Medical Travel and Family Benefits | ||||
| Hospital cash allowance | – | – | 650
(43 for each day of hospitalization) |
870
(43 for each day of hospitalization) |
| Additional costs of travel and accommodation | – | – | 3,050 | 4,350 |
| Family visit | – | – | 3,050 | 4,350 |
| Return of children | – | – | 3,050 | 4,350 |
| Travel Benefits | ||||
| Personal belongings | – | – | 700 | 1,300 |
| Baggage delay | – | – | 100 | 200 |
| Loss of travel document | – | – | 1,300 | 1,750 |
| Loss of personal fund | – | – | 200 | 350 |
| Travel delay or cancellation | ||||
| Travel delay cash allowance | – | – | 100 | 150 |
| Curtailment of trip or cancellation charges | – | – | 4,000 | 5,650 |
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 for Expats Departing from Thailand
For a healthy expat or local aged from one to 85 years old residing in Thailand who’s looking for a change of environment, LUMA GO can financially protect you while traveling abroad and shortly after with up to five million THB (approximately USD $17.10), starting from only THB ฿199 (~USD $5.70).
Depending on your needs and preferences, you can choose to get covered for a whole week when aboard with a wide range of plans:
| Type of Coverage | Plan LITE
THB ฿199 (~USD $5.70) Coverage: THB ฿1M (~USD $28,560) Duration: one week |
Plan 1
THB ฿299 (~USD $8.50) Coverage: THB ฿2M (~USD $57,130) Duration: one week |
Plan 2
THB ฿469 (~USD $13.40) Coverage: THB ฿3M (~USD $85,690) Duration: one week |
Plan 3
THB ฿599 (~USD $17.10) Coverage: THB ฿5M (~USD $142,820) Duration: one week |
| Medical Expenses and Hospitalization | ||||
| Medical expenses while abroad | 1,000,000 | 2,000,000 | 3,00,000 | 5,000,000 |
| Personal accident coverage | 1,000,000 | 2,000,000 | 3,00,000 | 5,000,000 |
| COVID-19 Coverage | ||||
| COVID-19 insurance | Yes | Yes | Yes | Yes |
| Emergency Evacuation | ||||
| Emergency evacuation | Yes | Yes | Yes | Yes |
| Repatriation to Thailand | Yes | Yes | Yes | Yes |
| Repatriation of mortal remains to Thailand | 1,000,000 | 1,500,000 | 1,500,000 | 2,000,000 |
| Travel Benefits | ||||
| Loss or damage of personal effects | – | – | 30,000 | 50,000 |
| Baggage delay | – | – | 20,000 | 25,000 |
| Loss of travel document | – | – | 10,000 | 30,000 |
| Loss of personal fund | – | – | 5,000 | 15,000 |
| Home protection | – | – | – | 100,000 |
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.
Securing LUMA Insurance with Pacific Prime
With insurance brokers, an overwhelming amount of information in Thailand’s complex insurance market will be simplified, and the most suitable insurance plan will be sourced out for you, your family, or your company.
There’s plenty of fish in the sea when it comes to insurance, especially in Thailand. You may feel lost with all the plans and promotions insurance providers put out in the market, lowering the chance to secure your best plan. Fortunately, insurance brokers are always ready to come to your rescue.
An insurance broker is trained especially to help you manage risks and select the right insurance plan. They normally have access to a wide range of products in the insurance market, so they can help you analyze the pros and cons of each insurance plan and give impartial advice for your interests.
At Pacific Prime, we’re trusted by individuals and businesses worldwide to utilize our 20+ years of experience in the industry to simplify the complex world of insurance for everyone. With the long list of awards we’ve received, you can be confident in securing the right insurance plan with us.
As a leading insurance broker, Pacific Prime has been operating in 17 strategic locations worldwide with partners in different industries such as law firms and educational facilities. We aim to continue expanding our network so that you can make an informed decision before securing your insurance.
Frequently Asked Questions
Does LUMA cover Thailand?
Depending on your plans and the zone of coverage you choose, LUMA can provide medical coverage for Thailand and other countries worldwide, except the United States.
How to buy health insurance in Thailand?
International insurance for Thailand is available for purchase directly with the insurance provider of your choice. However, if you’d like 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 is a top option offering you customizable insurance with appealing 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.
Securing the right insurance plan is crucial in protecting your health and finances. With our team of experts at Pacific Prime, we’re more than happy to guide you through your insurance journey. We can help you secure both health and travel insurance most suitable to your needs.
Pacific Prime is always available to support you via the live chat on our official website, or you can 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 GeoBlue offer, Pacific Prime is ready to share our insights with you.
After graduating at the top of her class and earning her Bachelor’s Degree in English from Thammasat University, Natthachamon has been practicing her writing skills and making education more easily accessible for Thai children as an Educational Content Creator and English Curriculum Developer for various educational facilities and organizations across the country.
Natthachamon is also a mother of two cats, a board game enthusiast, and a big bookworm who enjoys everything and anything sweet.
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