Asia Care Plus

Luma Health Insurance

Summary

Luma Health Insurance

Luma Health Insurance is a regional provider that focuses on residents of Southeast Asia, with headquarters in Bangkok and offices in Vietnam, Laos and Cambodia. Luma has insurance partners in each country where it does business to manage premiums, while it handles policy administration and claims. It offers a range of competitive coverage options for both expats and local citizens.

Luma Health Insurance/Bảo hiểm sức khỏe Luma
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Direct Billing Partners

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Personal Discounts

4+ family members
20%
$1,000 deductible
20%
$6,000 deductible
40%
$10,000 deductible
50%
From $30/month

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    Frequently Asked Questions about

    Luma Health Insurance

    Luma Health Insurance accpets new applicants who spend at least 185 days/year in South East Asia.  This includes expats and local citizens who are up to age 70 or 74 at the time of applying, depending on where you live.  Their policies offer guaranteed and lifetime renewability, meaning that you can continue to renew your Luma health insurance plan as long as you continue to pay your premium. Luma cannot kick you off your plan at your renewal date based on your claims experience or health conditions. 

    Luma health insurance offers 3 regular coverage areas:

    • Zone A: Worldwide excl. USA
    • Zone B: Worldwide excl. USA, China, Canada, Hong Kong, Israel, Japand and Swtizerland –
    • Zone C: Worldwide excl. USA, China, Canada, Hong Kong, Israel, Japan, Switzerland, Russia, Singapore, Brazil, Taiwan and the UK

    You are free to get treatment anywhere in your regular coverage area, so if you wanted to choose to go to Europe for example, then you have full 100% coverage in your regular coverage area. 

    Emergeny Coverage Area

    Like many modern health insurance providers, Luma offers an Emergency Coverage Area benefit. This provides you emergency coverage while you’re traveling to any excluded country for a temporary trip.  This will cover you for emergency hospitalization only.  

    For example, if you took Zone C and were traveling in Hong Kong and need to be hospitalized due to a medical emergency, then you’re still covered. If you were in Hong Kong and needed an outpatient visit, then you would not be. Also in this example, you couldn’t choose to go have a procedure or other treatment in Hong Kong, unless you took Zone A. 

    Emergency Coverage Area covers you up to $250,000 for temporary trips up to 60 days per trip. 

    Luma health insurance offers 4-5 different levels of plans depending on which plan your on: Vietnam, Thailand, Laos, Cambodia or International. 

    With all Luma plans, they will add more benefits as you increase the plan number.  Luma health insurance uniquely packages dental, maternity and vision benefits into a package together. So if you want routine dental coverage, you must also take vision and maternity. 

    With Luma health insurance, all members of a family are required to have the same plan level. You cannot mix and match between different family members based on everyone’s unique needs. However, they do offer a very generous 20% off discount for families with 4+ people. 

    If you’re a business, then you can get a Luma health insurance policy from just 4 employees. There are many advantages of doing a group health insurance plan with luma, including:

    • Pre-existing conditions can be covered from 10+ employees
    • Waiting periods are waived from 10+ empoyees
    • Group discounts
    • More plans options available
    • Can customize plan to your groups’ needs and budget

    Luma Health Insurance accpets new applicants who spend at least 185 days/year in South East Asia.  This includes expats and local citizens who are up to age 70 or 74 at the time of applying, depending on where you live.  Their policies offer guaranteed and lifetime renewability, meaning that you can continue to renew your Luma health insurance plan as long as you continue to pay your premium. Luma cannot kick you off your plan at your renewal date based on your claims experience or health conditions. 

    Luma Health Insurance offers payment installments in Vietnam, Cambodia and Laos. In Thailand, however, you must pay annually per Thai insurance regulations. For installments, the options and fees are as follows:

    • Annually
    • Semi-Annually (+4%)
    • Quarterly (+8%)
    You’re able to pay in USD, THB and VND with a bank transfer or through an online payment link with the card of your choice. There is a 3% fee for all cards, regardless if it’s a debit or credit card. 

    Luma Health Insurance has an extensive direct billing network throughout South East Asia, but in particular for the countries where they have operations; Thailand, Vietnam, Cambodia and Laos.  This includes direct billing for inpatient, outpatient and dental. 

    In the event you need to pay upfront and claim, you’re able to submit digital copies of the claim documents. Based on the value of the claim, you may also need to submit the original copies of your medical documents and receipts. 

    Regardless of which Luma health insurance plan you take, you will be covered for COVID-19 and related expenses up to your policy limits.  You can also get a COVID-19 insurance certificate upon request, which Tenzing’s customer service departement will help you attain should you need one. 

    Documents

    Patrik Shore Tenzing Pacific Services

    Patrik Shore

    Senior Advisor
    From Sweden & New Zealand
    7 years' insurance experience
    Joined Tenzing in 2019
    Crim Science
    Speaks English and Swedish

    Speciality:
    - Savings Plans
    - Health Insurance
    - Life Insurance