LUMA Health Insurance

Data updated: 2025-09-08

Description

LUMA presents itself as a nimble, tech-forward insurer focused on meeting Thai long-stay visa requirements—especially for retirees. Their Long Stay Care package prioritizes bidirectional coverage between Thailand and COVID-19-ready standards, with simple pricing and wellness support.

Overview

LTR-friendly O-A visa accepted Cashless in-network

Hospital network

Network published · view network

Coverage areas

Thailand

Plan types

visa_long_stay

Example premiums

฿21,617–31,230 THB (from available examples)

Inpatient (IPD) Outpatient (OPD) Medical evacuation

Plans (summary)

Long Stay Care (OA Visa)

visa_long_stay Thailand

IPD OPD Evacuation

Eligibility: from 18 · up to 79 · renewable to 90

OA visa plan; IPD 400,000 THB and OPD 40,000 THB minimums met per official materials; OPD annual max 45,000 THB with 1,500 per visit x 30 visits.

FAQ

Is LUMA Health Insurance accepted for Thai visas?

Yes, this insurer typically offers plans that meet visa requirements O-A LTR.

Do they have cashless direct billing in Thailand hospitals?

Yes — members can use direct billing within the insurer’s network in Thailand. See network.

Can foreigners/expats apply and what are the age limits?

Typical eligibility: from 18 · up to 79 · renewable to 90.

Are pre‑existing conditions covered?

Coverage for pre-existing conditions depends on underwriting; some plans apply exclusions or waiting periods.

How do I get a quote?

Start the insurer’s online quote.

Insurance Helper Service

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