Luma is available to expats or local citizens up to age 70 at the time of applying

All private insurance plans will cover you for illnesses and injuries that require overnight hospitalization for treatment (inpatient cover). Most also offer optional coverage for routine outpatient, maternity or dental expenses.

The types of inpatient expenses covered are fairly standard across the industry, including room and board, surgeries and treatment, hospitalization, emergency evacuation. There is more variability among the optional coverages; typically, greater benefits will trigger higher premiums.

Policies are managed on an annual basis: you pay premiums for a year of coverage and the insurer pays for your eligible expenses up to an annual limit.

Luma offers 3 coverage areas + emergency coverage worldwide for temporary trips when you travel outside your chosen coverage area

Luma can consider pre-existing conditions if they are declared and accepted. They may charge additional fee to include coverage for your pre-existing condition, it ultimately depends on what it is & its risk of reoccurence + cost of treatments

Yes, premiums increase with age, inflation & the rising cost of healthcare in Asia. If a provider doesn’t increase their rates, it’s because they can get rid of you at the renewal date if you are a liability to them. Luma cannot do that. 

Luma operates a large direct billing network for inpatient and outpatient services. This means that payment for treatment will be managed between the insurer and the hospital or clinic so that you don’t need to pay directly.

The Luma network of direct billing partners extends throughout the coverage area and includes most of the top hospitals and clinics in each country.

Yes, you have the option to pay annually, semi-annually or quarterly. There are additional fees if you pay with installments OR with a credit card. 

Yes, groups start at 3 employees and Medical Health Disregarded starts from 10+ people.