I bought Inpatient health insurance for myself and my family of 4 members in 2023. There was no clame from our side and that is why the following year they gave me a discount of Bath 5000 . Interesting thing is they sent me reminders 3-4 times to renew the policy for the yr 2024/25 which I finaly did.In 2025 they sent me renewal offer adding 34% increase that too after no claim discount of 5000 bath.I wanted an explanstion for such increase and they used the excuse of more claims by others policy holders which doesn't make sense.My deadline of renewal is less then 6 days but no reminder from them like last year.Bottom line is as i have touched 60 and my wife will be touching 51 they are trying to discourage us to renew the policy by increasing the premium to 33%
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Established in 2012 with a deep understanding of the unique healthcare landscape across South East Asia, LUMA has become the region’s trusted one-stop shop for expat health insurance. Our diverse team of over 10 different nationalities enables us to serve our international clients, and cater to their needs.
