{"id":11687,"date":"2026-03-04T21:37:12","date_gmt":"2026-03-04T13:37:12","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=11687"},"modified":"2026-03-05T00:07:13","modified_gmt":"2026-03-04T16:07:13","slug":"top-thailand-insurance-company-luma","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/top-thailand-insurance-company-luma.html","title":{"rendered":"LUMA Thailand Insurance Guide for Expats in 2026"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">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.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Expats in Thailand often rely on <\/span><a href=\"https:\/\/www.pacificprime.co.th\/insurers\/luma\"><span style=\"font-weight: 400;\">LUMA<\/span><\/a><span style=\"font-weight: 400;\"> for its customizable <\/span><a href=\"https:\/\/www.pacificprime.com\/country\/asia\/thailand-health-insurance\"><span style=\"font-weight: 400;\">international health insurance<\/span><\/a><span style=\"font-weight: 400;\"> plans, multilingual support, and valuable benefits such as 24\/7 emergency assistance and a Second Medical Opinion service.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In this Pacific Prime article, we break down everything you need to know about LUMA\u2019s health and travel insurance options for residents and visitors in <\/span><a href=\"https:\/\/www.pacificprime.com\/country\/asia\/thailand-health-insurance\/\"><span style=\"font-weight: 400;\">Thailand.<\/span><\/a><span style=\"font-weight: 400;\"> We\u2019ll also explain how working with an insurance broker like Pacific Prime can benefit you.\u00a0<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-73' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-73-new.css?v1.67' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-73-link CompareNowbutton\">\n  <div class=\"inserter-73-new\">\n    <div class=\"inserter-left-box\">\n        <h3>Kickstart Your Search for the Perfect Insurer<\/h3>        \n        <div class=\"inserter-compare-box\">\n            <p>Compare over <br>50,000 Plans <br>from Top Insurers<\/p>\n            <button >Compare NOW<\/button>\n        <\/div>\n    <\/div>\n    \n    \n    <div class=\"inserter-img-box\">\n        <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/mobile.png\" alt=\" \" class=\"banner-img-mobile\">            \n    <\/div>\n  <\/div>\n<\/a>\n\n<style>\n\n.inserter-73-new .inserter-img-box amp-img {right: -31%;}\n@media (max-width: 1199px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -20px;\n  }\n@media (max-width: 991px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -10px;\n  }\n}\n@media (max-width: 768px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: auto;\n    width: 30%;\n  }\n}\n@media (max-width: 512px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: 200px;\n  }\n}\n<\/style>\n\n<\/div>\n<\/span><\/p>\n<h2><b>About LUMA: Trusted Insurance for Thailand Expats<\/b><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-29233 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/visitors-gathered-along-a-white-sandy-shoreline-overlooking-clear-waters-in-phuket-thailand.webp\" alt=\"Image of Visitors Gathered Along A White Sandy Shoreline Overlooking Clear Waters In Phuket, Thailand with text overlay of &quot;About LUMA: Trusted Insurance for Thailand Expats&quot;\" width=\"1244\" height=\"700\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/visitors-gathered-along-a-white-sandy-shoreline-overlooking-clear-waters-in-phuket-thailand.webp 1244w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/visitors-gathered-along-a-white-sandy-shoreline-overlooking-clear-waters-in-phuket-thailand-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/visitors-gathered-along-a-white-sandy-shoreline-overlooking-clear-waters-in-phuket-thailand-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/visitors-gathered-along-a-white-sandy-shoreline-overlooking-clear-waters-in-phuket-thailand-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/visitors-gathered-along-a-white-sandy-shoreline-overlooking-clear-waters-in-phuket-thailand-150x84.webp 150w\" sizes=\"auto, (max-width: 1244px) 100vw, 1244px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">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.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">LUMA has insured over 5,000 families and companies in Thailand and is partnered with more than two million leading medical providers, such as<\/span><a href=\"https:\/\/www.samitivejhospitals.com\/\"><span style=\"font-weight: 400;\"> Samitivej Hospitals<\/span><\/a><span style=\"font-weight: 400;\">,<\/span><a href=\"https:\/\/www.bangkokhospital.com\/en\"><span style=\"font-weight: 400;\"> Bangkok Hospital<\/span><\/a><span style=\"font-weight: 400;\">, and<\/span><a href=\"https:\/\/www.bumrungrad.com\/en\"><span style=\"font-weight: 400;\"> Bumrungrad International Hospital<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2><b>Why Choose LUMA Insurance?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">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<\/span><a href=\"https:\/\/www.lumahealth.com\/luma-mobile-app\"><span style=\"font-weight: 400;\"> LUMA Care<\/span><\/a><span style=\"font-weight: 400;\"> mobile application.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">LUMA\u2019s Second Medical Opinion Service<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">LUMA\u2019s<\/span><a href=\"https:\/\/www.lumahealth.com\/second-medical-opinion\"><span style=\"font-weight: 400;\"> Second Medical Opinion<\/span><\/a><span style=\"font-weight: 400;\"> 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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You get an ambiguous diagnosis or unclear result<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The doctor recommends a controversial treatment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The doctor refers you to another doctor or expert in a different field<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your current treatment is ineffective<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You lack confidence in your current doctor<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Exclusive Member Benefits with LUMA<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Every LUMA member has access to a<\/span><a href=\"https:\/\/www.lumahealth.com\/member-care\/privileges\"><span style=\"font-weight: 400;\"> wide range of privileges<\/span><\/a><span style=\"font-weight: 400;\"> provided by the company and its partners. From a free oral check-up in Thailand\u2019s most famous hospitals to membership discounts for vehicle rental services and exclusive rates for various nursery schools, you\u2019re guaranteed to get them all.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">LUMA&#8217;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&#8217;s many comprehensive plans below.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-48' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Thailand_3.jpg\" alt=\"Blog Banner Thailand 3\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><b>Health Insurance Plans for Expats in Thailand<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">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.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Depending on your budget and where you often travel to, you can choose the countries you\u2019d like to visit for treatments from the following zones:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Zone A:<\/b><span style=\"font-weight: 400;\"> Worldwide (excluding the United States)<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Zone B:<\/b><span style=\"font-weight: 400;\"> Worldwide (excluding the United States, Canada, Switzerland, Israel, Japan, Hong Kong, the Bahamas, and China)<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Zone C:<\/b><span style=\"font-weight: 400;\"> Worldwide (excluding the United States, Canada, Switzerland, Israel, Japan, Hong Kong, Bahamas, China, Russia, United Kingdom, Singapore, Taiwan, and Brazil)<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Their plans are always available for purchase through a 24-hour hotline, so you can choose the most optimal<\/span><a href=\"https:\/\/www.lumahealth.com\/personal-insurance\/thailand\"><span style=\"font-weight: 400;\"> health insurance<\/span><\/a><span style=\"font-weight: 400;\"> for yourself, your <\/span><a href=\"https:\/\/www.lumahealth.com\/health-insurance\/thailand\/family\/\"><span style=\"font-weight: 400;\">family<\/span><\/a><span style=\"font-weight: 400;\">, or your children from 15 days to 17 years of age and get coverage from the plans listed below anytime you\u2019d like.<\/span><\/p>\n<h3><b>1. Hi5 Plan: Flexible Coverage up to THB Five Million<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">LUMA\u2019s<\/span><a href=\"https:\/\/www.lumahealth.com\/health-insurance\/thailand\/hi5\/\"><span style=\"font-weight: 400;\"> Hi5 health insurance<\/span><\/a><span style=\"font-weight: 400;\"> plan offers high coverage at THB \u0e3f5,000,000 annually, with customizable room limits, deductible premiums, and optional benefits for <\/span><b>an individual of any nationality aged up to 70 years old who resides in Thailand for at least 180 days per year<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Hi5 also lets you customize the coverage options for each benefit it offers. This includes:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Inpatient Benefits<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The <\/span><b>Hi5 Plan 1<\/b><span style=\"font-weight: 400;\"> with a THB \u0e3f5,000,000 (~USD $161,240) annual limit allows for full coverage of a standard private room within the<\/span><a href=\"https:\/\/www.lumahealth.com\/hi5-health-insurance\/hi5-network\"><span style=\"font-weight: 400;\"> Hi5 Network<\/span><\/a><span style=\"font-weight: 400;\"> and THB \u0e3f5,000 (~USD $161) for daily room-and-board expenses.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">On the other hand, you can choose <\/span><b>Hi5 Plan 2 <\/b><span style=\"font-weight: 400;\">with a THB \u0e3f5,000,000 (~USD $161,240) annual limit that allows for full coverage of a standard private room within the Hi5 Network and THB \u0e3f8,000 (~USD $258) for daily room-and-board expenses.<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><b>Out-of-Area Emergency Medical Benefit<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">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 \u0e3f1,250,000 (approximately USD $40,300) per policy year.\u00a0\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Outpatient Benefits (Optional)<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The plans offer <\/span><b>Outpatient Option 1<\/b><span style=\"font-weight: 400;\"> that provides you with THB \u0e3f40,000 (~USD $1,288) with 50% copayment per year and <\/span><b>Outpatient Option 2 <\/b><span style=\"font-weight: 400;\">that gives you THB \u0e3f200,000 (~USD $6,445) per year with no copayment.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Dental Option (Optional)<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">You can choose between <\/span><b>Dental Option 1<\/b><span style=\"font-weight: 400;\"> for THB \u0e3f20,000 (~USD $644) , <\/span><b>Dental Option 2<\/b><span style=\"font-weight: 400;\"> for THB \u0e3f60,000 (~USD $1,933), and <\/span><b>Dental Option 3<\/b><span style=\"font-weight: 400;\"> for THB \u0e3f100,000 (~USD $3,222). All options include a 10% copayment per year.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Maternity Option (Optional)<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Hi5 provides<\/span><a href=\"https:\/\/www.lumahealth.com\/health-insurance\/thailand\/maternity\/\"><span style=\"font-weight: 400;\"> soon-to-be mothers<\/span><\/a><span style=\"font-weight: 400;\"> with <\/span><b>Maternity Option 1<\/b><span style=\"font-weight: 400;\"> that covers THB \u0e3f200,000 (~USD $6,445) and <\/span><b>Maternity Option 2 <\/b><span style=\"font-weight: 400;\">that provides THB \u0e3f300,000 (~USD $9,668) coverage for pregnancy and childbirth per year. Each option also comes with coverage for neonatal care within 25 days after birth.<\/span><\/p>\n<p><b>Hi5\u2019s maternity option has a short waiting period of only 10 months<\/b><span style=\"font-weight: 400;\">, making it highly convenient for mothers planning to apply for the coverage and claim the benefits within the same year.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Vision Option (Optional)<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If you\u2019d like to get coverage for vision treatment, the plan offers a <\/span><b>Vision Option<\/b><span style=\"font-weight: 400;\"> that allows for THB \u0e3f10,000 (~USD $322) annual coverage.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Please note that you may be asked to disclose medical information, pre-existing conditions won\u2019t 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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For more information regarding the terms and conditions of the plan, please refer to LUMA\u2019s<\/span><a href=\"https:\/\/info.lumahealth.com\/hubfs\/PRODUCTS\/Hi5%20-%20Prime\/Policy%20Guide%20(Hi5).pdf?_gl=1*e3h80g*_ga*MTU5NjQ2MzQxMS4xNjM0MTk1MTYy*_ga_41ZWMYFSLG*MTY3OTU1NDA5My4zNzkuMS4xNjc5NTU3MzI1LjAuMC4w\"><span style=\"font-weight: 400;\"> Hi5 policy guide<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-47' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Thailand_2.jpg\" alt=\"Blog Banner Thailand 2\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h3><b>2. PRIME Plan: Premium Health Coverage up to THB 50 Million<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">For superior medical coverage, LUMA\u2019s<\/span><a href=\"https:\/\/www.lumahealth.com\/health-insurance\/thailand\/prime\/\"><span style=\"font-weight: 400;\"> PRIME health insurance<\/span><\/a><span style=\"font-weight: 400;\"> plans can put your mind at ease with up to THB \u0e3f50 million (USD $1,612,400) coverage for <\/span><b>an individual of every nationality aged up to 70 years old who resides in Thailand for at least 180 days per year<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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 \u0e3f8,000,000 (approximately USD $257,650) per policy year. It also guarantees lifetime renewal until 99 years old.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Type of Coverage<\/b><\/td>\n<td><b>PLAN 1 (THB)<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Annual limit: THB \u0e3f10M<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(~USD $322,513)<\/span><\/td>\n<td><b>PLAN 2 (THB)<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Annual limit: THB \u0e3f30M<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(~USD $967,539)<\/span><\/td>\n<td><b>PLAN 3 (THB)<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Annual limit: THB \u0e3f50M<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(~USD $1,612,565)<\/span><\/td>\n<\/tr>\n<tr>\n<td colspan=\"4\"><b>Inpatient Coverage<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Room and board (per day)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f12,000 (USD $387) with full coverage for a standard private room within <\/span><a href=\"https:\/\/www.lumahealth.com\/prime-health-insurance\/prime-network\"><span style=\"font-weight: 400;\">PRIME network<\/span><\/a><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f15,000 (USD $483) with full coverage for a standard private room within PRIME network<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f20,000 (USD $645) with full coverage for a standard private room within PRIME network<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">ICU room and board<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Medical service fees<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Attending medical professional fees<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Medical expenses for surgery<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Major surgery<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Cancer treatment<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Ambulance<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Reconstructive surgery following accident<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Psychiatric treatment in hospital<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u2013<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full (up to 15 days per policy year)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full (up to 20 days per policy year)<\/span><\/td>\n<\/tr>\n<tr>\n<td colspan=\"4\"><b>Day-care Coverage<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Pre- and post-medical expenses<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f30,000 (USD $967) per policy year<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f50,000 (USD $1,612) per policy year<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f100,000 (USD $3,225) per policy year<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Outpatient medical expenses in case of injury within 24 hours from an accident<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rehabilitation expenses after an inpatient stay<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full (up to 10 days per policy year)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full (up to 30 days per policy year)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full (up to 30 days per policy year)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Kidney dialysis<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f200,000 (USD $6,450) per policy year<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f1,500,000 (USD $48,372) per policy year<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f2,000,000 (USD $64,450) per policy year<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Minor surgery<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Parent accommodation<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f1,500 (USD $48) per day up to 30 days per policy year<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f1,500 (USD $48) per day up to 30 days per policy year<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f1,500 (USD $48) per day up to 30 days per policy year<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Nursing care at home<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f15,000 (USD $483) per policy year<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f30,000 (USD $967) per policy year<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f30,000 (USD $967) per policy year<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Day-care treatment<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Treatment of infectious diseases (HIV) and immunodeficiency (AIDS)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f100,000 (USD $3,223) per policy year<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f500,000 (USD $16,115) per policy year<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f500,000 (USD $16,115) per policy year<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Congenital abnormalities<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f100,000 (USD $3,223) per policy year<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f300,000 (USD $9,672) per policy year<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f600,000 (USD $19,343) per policy year<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Wheelchair or crutches<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f10,000 (USD $322) per policy year<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f30,000 (USD $967) per policy year<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f50,000 (USD $1,611) per policy year<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Out-of-area emergency medical coverage (up to 90 days per trip at a maximum of 180 days per policy year)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f2,500,000 (USD $80,580) per policy year\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f7,500,000 (USD $241,767) per policy year\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f8,000,000 (USD $257,885) per policy year\u00a0<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">Please note that you may be asked to disclose medical information, your pre-existing conditions won\u2019t 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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For more information regarding the terms and conditions of the plan, please refer to LUMA\u2019s<\/span><a href=\"https:\/\/info.lumahealth.com\/hubfs\/PRODUCTS\/Hi5%20-%20Prime\/Policy%20Guide%20(PRIME).pdf\"><span style=\"font-weight: 400;\"> PRIME policy guide<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-46' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Thailand_1.jpg\" alt=\"Blog Banner Thailand 1\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><b>LUMA Travel Insurance Options for Visitors to Thailand<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">LUMA also provides exhaustive <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/travel-insurance-and-short-term-health-insurance-for-expats\/\"><span style=\"font-weight: 400;\">travel insurance plans<\/span><\/a><span style=\"font-weight: 400;\">. Whether you\u2019re a traveler planning to indulge in Thailand\u2019s golden sun or a resident going on an adventure abroad this upcoming holiday, LUMA has just the right insurance plans for you.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Traveling to other countries doesn\u2019t always go as planned, and unexpected accidents can happen at any time. With travel insurance, you can make sure you won\u2019t be left stranded in the event of medical emergencies, trip cancellations, and other unfortunate incidents.<\/span><\/p>\n<h3><b>Coverage for Tourists Visiting Thailand<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">LUMA offers a worry-free journey to Thailand with travel insurance for those who aren\u2019t residents of Thailand. Starting from only USD $49, LUMA can provide <\/span><b>individuals aged from four weeks to 75 years old<\/b><span style=\"font-weight: 400;\"> with up to USD $100,000 coverage.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Known for its affordability and accessibility, LUMA Travel Insurance offers tourists of every nationality different plans for traveling to Thailand without compromising on quality:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Type of Coverage<\/b><\/td>\n<td><b>ESSENTIAL\u00a0<\/b><\/td>\n<td><b>EXPLORER\u00a0<\/b><\/td>\n<td><b>ADVENTURER\u00a0<\/b><\/td>\n<td><b>PIONEER<\/b><\/td>\n<\/tr>\n<tr>\n<td><b>Prices (10-day duration)<\/b><\/td>\n<td><span style=\"font-weight: 400;\">USD $42 (THB \u0e3f1,300)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $58 (THB \u0e3f1,800)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $94 (THB \u0e3f2,917)\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $154 (THB \u0e3f4,780)\u00a0<\/span><\/td>\n<\/tr>\n<tr>\n<td colspan=\"5\"><b>Medical Expenses and Hospitalization<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Emergency medical expenses (with a maximum of 261 per day for hospital room and board)\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $200,000 (THB \u0e3f6,206,400)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $400,000 (THB \u0e3f12,412,800)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Unlimited<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Unlimited<\/span><\/td>\n<\/tr>\n<tr>\n<td colspan=\"5\"><b>Emergency Evacuation and Repatriation Benefits\u00a0<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Emergency evacuation<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Unlimited<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Unlimited<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Unlimited<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Unlimited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Repatriation to the country of origin<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Unlimited<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Unlimited<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Unlimited<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Unlimited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Repatriation of mortal remains to the country of origin<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $2,000 (THB \u0e3f62,062)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $2,000 (THB \u0e3f62,062)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $2,000 (THB \u0e3f62,062)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $2,000 (THB \u0e3f62,062)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Additional costs of travel and accommodation<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u2013<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u2013<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $3,000 (THB \u0e3f93,089)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $4,500 (THB \u0e3f139,635)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Family visit<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u2013<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u2013<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $3,000 (THB \u0e3f93,089)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $4,500 (THB \u0e3f139,635)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Return of children<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u2013<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u2013<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $3,000 (THB \u0e3f93,089)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $4,500 (THB \u0e3f139,635)<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">Please note that you may be asked to disclose medical information, as your pre-existing conditions won\u2019t be covered by the plan. Moreover, high-risk occupations such as medical professionals, athletes, and policemen are not eligible for the plan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For more information regarding the terms and conditions of the plans, please refer to the<\/span><a href=\"https:\/\/info.lumahealth.com\/hubfs\/Brochure\/Luma%20ASEAN%20Pass\/Luma%20ASEAN%20Pass%20-%20Travel%20Insurance%20Policy.pdf\"><span style=\"font-weight: 400;\"> LUMA Travel Insurance policy<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><b>LUMA GO: Travel Insurance for Thailand-Based Expats<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">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 \u0e3f199 (~USD $6.41).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Depending on your needs and preferences, you can choose to get covered for a whole week abroad with a wide range of plans:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Type of Coverage<\/b><\/td>\n<td><b>Plan LITE<\/b><\/td>\n<td><b>Plan 1<\/b><\/td>\n<td><b>Plan 2<\/b><\/td>\n<td><b>Plan 3<\/b><\/td>\n<\/tr>\n<tr>\n<td><b>Prices\u00a0<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Starting from THB \u0e3f199 (~USD $6.41)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Starting from THB \u0e3f299 (~USD $9.64)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Starting from THB \u0e3f469 (~USD $15.11)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Starting from THB \u0e3f599 (~USD $19.30)<\/span><\/td>\n<\/tr>\n<tr>\n<td colspan=\"5\"><b>Medical Expenses and Hospitalization<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Medical expenses while abroad<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f1,000,000 (USD $32,222)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f2,000,000 (USD $64,444)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f3,000,000 (USD $96,666)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f5,000,000 (USD $161,111)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Personal accident coverage<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f1,000,000 (USD $32,222)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f2,000,000 (USD $64,444)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f3,000,000 (USD $96,666)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f5,000,000 (USD $161,111)<\/span><\/td>\n<\/tr>\n<tr>\n<td colspan=\"5\"><b>Emergency Evacuation<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Emergency evacuation and repatriation to Thailand<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f1,000,000 (USD $32,222)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f1,500,000 (USD $48,345)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f3,000,000 (USD $96,666)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f5,000,000 (USD $161,111)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Repatriation of mortal remains to Thailand<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f1,000,000 (USD $32,222)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f1,500,000 (USD $48,345)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f3,000,000 (USD $96,666)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f5,000,000 (USD $161,111)<\/span><\/td>\n<\/tr>\n<tr>\n<td colspan=\"5\"><b>Travel Benefits<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Loss or damage of personal effects<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u2013<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u2013<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f30,000 (USD $967)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f50,000 (USD $1611)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Baggage delay<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u2013<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u2013<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f20,000 (USD $645)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f25,000 (USD $805)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Loss of travel document<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u2013<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u2013<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f10,000 (USD $322)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f30,000 (USD $967)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Loss of personal funds<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u2013<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u2013<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f5,000 (USD $161)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f30,000 (USD $967)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Home protection<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u2013<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u2013<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u2013<\/span><\/td>\n<td><span style=\"font-weight: 400;\">THB \u0e3f100,000 (USD $3,223)<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">Please note that you may be asked to disclose medical information, as your pre-existing conditions won\u2019t be covered by the plan. Moreover, high-risk occupations such as medical professionals, athletes, and policemen are not eligible for the plan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For more information regarding the terms and conditions of the plans, please refer to<\/span><a href=\"https:\/\/info.lumahealth.com\/hubfs\/PRODUCTS\/Luma%20GO%20(Tune)\/LUMA%20GO%20Policy%20Wording%20English.pdf\"><span style=\"font-weight: 400;\"> LUMA GO policy<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-65' style='margin: 8px 0; clear: both;'>\n<!-- Blog Banner Stylesheet Import -->\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/css\/m-blog-banner.css?ver4.1' type='text\/css' media='all'\/>\n<style>\ndiv.banner-insurers-card-image img.april {\n  width: 80px;\n  height: auto;\n}\n@media (min-width: 1200px) {\n  div.banner-insurers-container {\n    background-image: url('https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner  \/img\/blog-banner-thailand-bg.png');\n  }\n  div.banner-insurers-card-image img.april {\n    width: 80px;\n    height: auto;\n  }\n}\n<\/style>\n<!-- Blog Banner Stylesheet Import ends -->\n<!-- Blog Banner Thailand -->\n<div class=\"banner-insurers-container\" style=\"background-image: url(https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/blog-banner-thailand-bg-mobile.png);\n\">\n  <h3 class=\"banner-insurers-title\">\n      Our Top Insurance Recommendations <span>for Thailand<\/span>\n  <\/h3>\n  <a class=\"banner-insurers-link\" href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card\">\n      <div class=\"banner-insurers-card-image\">\n        <img loading=\"lazy\" decoding=\"async\" width=\"130\" height=\"130\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-cigna.png\" alt=\"Cigna\">\n      <\/div>\n      <div class=\"banner-insurers-card-content\">\n        <ul>\n          <li>Worldwide Coverage (excluding the US)<\/li>\n          <li>Access to Cigna's trusted global network of hospitals and doctors<\/li>\n          <li>4 Core Insurance Plans<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button CompareNowbutton threcbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog;\">\n        Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n  <a class=\"banner-insurers-link\" href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card\">\n      <div class=\"banner-insurers-card-image\">\n        <img loading=\"lazy\" decoding=\"async\" class=\"april\" width=\"130\" height=\"130\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-april.png\" alt=\"April\">\n      <\/div>\n      <div class=\"banner-insurers-card-content\">\n        <ul>\n          <li>World-leading Health Insurance Provider for Expats<\/li>\n          <li>Quick and Efficient Claims Process<\/li>\n          <li>Maximum Plan benefits up <br>to USD 5,000,000<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button CompareNowbutton threcbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog;\">\n        Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n<\/div>\n<!-- Blog Banner Thailand ends --><\/div>\n<\/span><\/p>\n<h2><b>How Pacific Prime Helps You Get LUMA Insurance<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Pacific Prime simplifies Thailand&#8217;s complex insurance market and finds the best health insurance plan, including options from LUMA\u00a0 for you, your family, and your workforce.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Operating across 16 strategic locations globally and <\/span><a href=\"https:\/\/www.pacificprime.co.th\/about-us\/our-partners\"><span style=\"font-weight: 400;\">partnering with organizations<\/span><\/a><span style=\"font-weight: 400;\"> such as law firms and educational institutions, we continue to expand our network to better serve you, wherever you are.<\/span><\/p>\n<h2><b>Frequently Asked Questions<\/b><\/h2>\n<h3><b>What is the best health insurance for expats in Thailand?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">While there\u2019s 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.\u00a0<\/span><\/p>\n<h3><b>How do I buy health insurance in Thailand?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<h3><b>Does LUMA cover a person older than 70 years old?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">While LUMA\u2019s health insurance packages like Hi5 and PRIME only provide medical coverage for individuals aged up to 70 years old, the company\u2019s 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.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-72' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-72-new.css?v1.47' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-72-link CompareNowbutton\">\n        <div class=\"inserter-72-new\">\n            <h3>Start by Comparing <br>Insurance Plans Online<\/h3>\n            <div class=\"inserter-img-box\">\n                <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/desktop.png\" alt=\" \">\n            <\/div>\n            <div class=\"inserter-compare-box\">\n                <p>Browse and Compare 50,000+ <br>International Health Plans<\/p>\n                <button>Compare NOW<\/button>\n            <\/div>\n        <\/div>\n    <\/a><\/div>\n<\/span><\/p>\n<h2><b>Conclusion<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">If you\u2019re 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.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">While the number of available plans can be overwhelming, you can rest assured you\u2019ve got everything covered with the help of an insurance broker like Pacific Prime. We can help you secure both<\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\"><span style=\"font-weight: 400;\"> health<\/span><\/a><span style=\"font-weight: 400;\"> and<\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/travel-insurance-and-short-term-health-insurance-for-expats\/\"><span style=\"font-weight: 400;\"> travel insurance<\/span><\/a><span style=\"font-weight: 400;\"> that is most suitable for your needs in <\/span><a href=\"https:\/\/www.pacificprime.com\/country\/asia\/thailand-health-insurance\/\"><span style=\"font-weight: 400;\">Thailand<\/span><\/a><span style=\"font-weight: 400;\"> and beyond.<\/span><\/p>\n<p><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">Contact our experienced consultants<\/span><\/a><span style=\"font-weight: 400;\"> for more specific inquiries. We also offer an obligation-free quote and a free plan comparison service you can access with<\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/\"><span style=\"font-weight: 400;\"> a couple of clicks<\/span><\/a><span style=\"font-weight: 400;\"> on our website.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Whether you\u2019re interested in LUMA\u2019s comprehensive insurance plans or would like to learn more about the plans other providers like<\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/top-thailand-insurance-company-img.html\"><span style=\"font-weight: 400;\"> IMG<\/span><\/a><span style=\"font-weight: 400;\">,<\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/top-thailand-insurance-company-cigna.html\"><span style=\"font-weight: 400;\"> Cigna<\/span><\/a><span style=\"font-weight: 400;\">, and <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/top-thailand-insurance-company-geoblue.html\"><span style=\"font-weight: 400;\">Blue Cross Blue Shield Global Solutions<\/span><\/a><span style=\"font-weight: 400;\"> offer, Pacific Prime is ready to share our insights with you.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>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.\u00a0 Expats in Thailand often rely on LUMA for its customizable international health insurance plans, multilingual support, and valuable &#8230;<\/p>\n","protected":false},"author":95,"featured_media":29232,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[570,217],"tags":[],"class_list":["post-11687","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health","category-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>LUMA Thailand Insurance Guide for Expats in 2026<\/title>\n<meta name=\"description\" content=\"Learn how LUMA supports expats and travelers in 2026 with flexible health insurance plans, emergency support, and premium hospital access in Thailand.\" \/>\n<meta name=\"robots\" content=\"index, follow, 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