Provider Spotlight: Luma Health Insurance
Luma Background
Luma health insurance is a regional health insurance providers with their head office located in Bangkok. They service local citizens and expat members alike and have local entites in Thailand, Vietnam & Cambodia + an international plan for other residents of other countries in SE Asia.
Luma Entities & Plans
1) Luma Thailand
In Thailand, Luma is partnered with Navakij Insurance and offer, two sets of plans:
- Hi5 ($$) – 5M THB annual limit | 3 inpatient plans | 2 Outpatient | Optional Dental & Maternity
- Prime ($$$) 10M- 50M THB annual limit | 2 Outpatient | 3 Dental | 2 Maternity
2) Luma Vietnam
In Vietnam, Luma is partnered with Bao Long Insurance and offer, three sets of plans
- Premier ($) – $100K USD plans including outpatient + optional dental, maternity & vision
- Pro ($$)- $300K-$500K USD pland including oupatient + optional dental, maternity & vision
- Plus($$$) – Modular plans with a various level of benefits across all benefit categories
3) Luma Cambodia
In Cambodia, Luma is partnered with Cambodia Vietnam Insurance (CVI) and offer Asia Care Plus, very similar to the plan in Vietnam
Key Features of Luma Health Insurance
Regardless of which policy you have with Luma, you’ll enjoy the perks of:
- 3 Coveragea Areas
- Worldwide coverage for accidents outside the Zone of Coverage
- Guaranteed renewability
- Cashless Direct Billing all across Southeast Asia
- Member’s App & Claims Portal
- Good value for money
- Payment Installment options
- Community Rated
- They will be fully digital from 01/11/2024- everything is electronic & via app, no mailing anything
Luma’s Premiums
Luma has higher annual limits for benefit categories and individual benefit limitations than you’d get with a local provider insurance providers. They’ve designed their plans to bridge the gap between cheap local insurance & premium international insurance.
They fall squarely in my ‘best value’ category as someone who isn’t going to break the bank but still offers good benefits & long-term protection for what you pay.
To compare with April Health Insurance, they’d be cheaper for most plans & age groups.
How Luma handles Pre-existing Conditions
Luma’s underwriting department can consider covering pre-existing health conditions with by either:
- Accepting them outright, no additional fees
- With a premium loading
This ultimately depends on the nature of your condition, how long you’ve had it, it’s severity, cost of related treatmetns and more. If you’d like to check if your pre-existing condition can be covered, get in touch with me for transparent advice: [email protected]
Luma Family Discount
If you have a family with 4+ members, enjoy the perks of getting 20% OFF your health insurance premiums!
With Luma’s family policies, all members must have the same plan selection. So if you want your kids to have outpatient benefits, then you’ll need to have outpatient benefits too.
Group Health Insurance
To get group health insurance with any of Luma’s entities, you need to have at least 3 employees at the start of the policy. Medical Health Disregarded starts from 10 employees.
If you have a larger company with employees that would be in different tiers, you’re able to form a group with employees on different plans.
Luma is also able to handle multinational groups for companies have employees across multiple countries with one plan, under one roof that’s centrally managed.
Get Quotes for Luma Health Insurance
By filling out my short initial questionnaire & or getting in touch with me via my contact details below.
