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LUMA Global Health – affordable comprehensive regional South East Asia Medical Insurance
LUMA is dedicated to helping our members live longer, healthier lives through the provision of straightforward health insurance plans. LUMA serves a diverse group of members including global residents, expats, local nationals, and businesses of all sizes. LUMA understands that rising medical costs are a major contributor to increased premiums, which is why we offer prevention advice to help members actively improve their health. At LUMA, they believe in empowering members to live their best lives, without any limitations. Our health insurance offerings are designed to be easy to understand and use, with a range of options including lifetime renewal guarantees and coverage for small business employees. We prioritize customers' needs and have a team of friendly staff available to answer any questions you may have.
LUMA success factors
- Free consultation and support.
The LUMA team of in-house doctors is available to assess your case and provide guidance and support whenever you need it. If necessary, they can also recommend seeking a second opinion from relevant specialists. At LUMA, we prioritize your health and are happy to offer recommendations for the best inpatient and outpatient medical facilities.
- No upfront payments at leading medical facilities.
Paying for medical expenses out of pocket can be stressful and costly, and it often involves dealing with complicated paperwork and communication with your insurance provider. At LUMA, we strive to make the process as smooth and stress-free as possible for our members. When you visit a medical facility in our preferred network, you can expect a seamless experience. LUMA have a list of medical facilities that offer out-patient and/or in-patient direct billing, and our customer service team can help you find a facility in our network if the one you need is not on the list. From the moment you set up your plan, their experts are here to support you every step of the way. Our dedicated account managers are available to meet with you and your employees at your request, and our comprehensive reporting allows you to track your plan usage and make any necessary adjustments with the help of our employee benefits experts.
- Easy policy & claims management
Managing your insurance plan has never been easier with LUMA's secure online service portal and mobile app. You can easily submit claims directly from your smartphone, and if you've ever forgotten your insurance card, our mobile app's virtual card feature ensures you always have it on hand for doctor's visits.
- 24/7 worldwide emergency & multilingual support
LUMA is fluent in your language. We offer multi-language support from locally based, experienced multicultural teams, so you can expect us to understand and fulfill your needs, no matter what your native language is - be it French, German, Thai, Burmese, Vietnamese, or English. When you choose LUMA, you can trust that we will be able to communicate effectively with you and meet your needs.
- Experience you can trust
All LUMA insurance plans are backed by reputable global insurers, giving you peace of mind about the long-term financial security of your policy. Additionally, LUMA's IT infrastructure is hosted in ISO 27001-compliant facilities, ensuring that your data is protected in a comprehensive and secure manner. LUMA’s IT services and applications are also regularly tested by third parties to ensure they meet strict security and resiliency standards. LUMA is committed to excellence in cyber defense and works to efficiently prepare for, protect against, detect, and respond to cybersecurity risks.
- LUMA privileges
As a LUMA member, you'll have access to a variety of exclusive perks and privileges from our partners, including top hospitals and wellness brands. These perks are just one of the many benefits of membership with LUMA.
LUMA Global Health plans – affordable and comprehensive medical plans
Key features of the LUMA Global medical insurance plan include:
- Comprehensive coverage · Get optional coverage for Dental, Vision and Maternity
- High coverage for hospitalizations. · Wide range of deductibles to make your plan even more affordable
- Covers for chronic conditions. · Upgrade your Zone of Coverage with our International Coverage
- Outpatient coverage included in all plans
- 24/7 Emergency Hotline
- Immediate coverage from the first day of your plan.
- International Emergency Medical Assistance
LUMA Global Health offers 3 levels of coverage with the following main features:
|Premier Plan||Pro 1 Plan||Pro 2 Plan|
|Inpatient Benefits, Organ transplants & Cancer||Up to USD 100,000||Up to USD 300,000||Up to USD 500,000|
|Outpatient benefits||USD 2,000||USD 3,000||USD 5,000|
|Dental||USD 200||USD 300||USD 500|
|Optical||USD 100||USD 200||USD 300|
|Maternity||USD 2,000||USD 3,000||USD 5,000|
Please refer to full table of benefits and policy wording for full details on your coverage and exclusions.
Who can apply?
Individuals between 18 and 70 years of age. Children age 0 – 17 must apply with at least one parent. To be eligible for Global Care, you must reside in one or more of those countries for at least 185 days pe year: Bangladesh, Bhutan, Brunei, Cambodia, East Timor, India, Indonesia, Laos, Malaysia, Maldives, Myanmar, Nepal, Pakistan, Philippines, Sri Lanka, Thailand, Vietnam.
Global Care Rates
The rates below are for Area C - Worlwide excluding USA, China, Bahamas, Canada, Hong-Kong, Israel, Japan, Switzerland, Russia, Singapore, Brazil, Taiwan and United Kingdom.
For rates aged 60 to 70 and for Area B - Worldwide excluding USA, China, Bahamas, Canada, Hong-Kong, Israel, Japan and Switzerland and Area A - Worldwide excluding USA please contact us for a quote.
Global Care - Premier Plan
|18 - 24 years old||$673||$901||$1439|
|25 - 29 years old||$891||$1187||$1882|
|30 - 34 years old||$993||$1321||$2093|
|35 - 39 years old||$1181||$1570||$2483|
|40 - 44 years old||$1398||$1848||$2920|
|45 - 49 years old||$1719||$2185||$2185|
|50 - 54 years old||$2093||$2559||$2559|
|55 - 59 years old||$2621||$3088||$3088|
Global Care - Pro 1 Plan
|18 - 24 years old||$722||$992||$1583|
|25 - 29 years old||$955||$1305||$2070|
|30 - 34 years old||$1064||$1452||$2301|
|35 - 39 years old||$1265||$1724||$2729|
|40 - 44 years old||$1497||$2036||$3215|
|45 - 49 years old||$1834||$2481||$2481|
|50 - 54 years old||$2223||$2870||$2870|
|55 - 59 years old||$2773||$3420||$3420|
Global Care - Pro 2 Plan
|18 - 24 years old||$790||$1102||$1752|
|25 - 29 years old||$1044||$1447||$2288|
|30 - 34 years old||$1161||$1609||$2543|
|35 - 39 years old||$1380||$1910||$3015|
|40 - 44 years old||$1633||$2254||$3551|
|45 - 49 years old||$1987||$2773||$2773|
|50 - 54 years old||$2391||$3138||$3138|
|55 - 59 years old||$2963||$3709||$3709|
Employee Benefit Programs
Deciding to purchase group insurance for your company is a major decision, and it's important that you understand the benefits for your employees and have the ability to customize the plan to meet your unique needs. At LUMA, they understand this and are here to help. LUMA serve a range of quality clients, from small SMEs to Fortune 500 companies, and can provide tailored plans that are adapted to their specific requirements, even for staff located in different countries.
LUMA’s expertise combined with BrokerFish hands on always available to support you spirit is a hard to beat combination for Group medical Insurance solutions across South East Asia. From the moment you set up your plan until its duration, our combined strengths and experts will be with you every step of the way, and the dedicated account managers are available to meet with you and your employees at your request to answer any questions or concerns. Once your plan is implemented, our comprehensive reporting will show you how it is being utilized, and you can review it with our employee benefit experts to ensure you are getting the best group coverage at the best price.