Review Time
Whenever I had questions about the coverage, I could easily reach the customer service team not only through emails but also via their official WhatsApp.
The team is very reactive, professional, and easy to deal with. I also really appreciate that they have an in-house doctor available for medical guidance and referrals, which adds an extra layer of reassurance.
What I like most is their approach: you can share your budget and requirements, and they will help tailor a solution or even recommend options from different insurers as a broker.
Overall, I feel well supported and confident with LUMA for my family’s health coverage, and I would definitely recommend them.
Really grateful to the Luma team, and their medical team.I was faced with a health issue, and I wasn't sure where to go in Bangkok because there are just so many hospitals. I got in touch with their customer service who connected me to their medical team, and they reviewed my case and referred me to a specialist.All is clear now, but looking back I'm glad I had someone who was able to guide me and understood my concerns!
Whenever I had questions about the coverage, I could easily reach the customer service team not only through emails but also via their official WhatsApp.The team is very reactive, professional, and easy to deal with. I also really appreciate that they have an in-house doctor available for medical guidance and referrals, which adds an extra layer of reassurance.What I like most is their approach: you can share your budget and requirements, and they will help tailor a solution or even recommend options from different insurers as a broker.Overall, I feel well supported and confident with LUMA for my family’s health coverage, and I would definitely recommend them.
I purchased travel insurance with Luma for the SE Asia trip, Dec 1-Jan 15. The cost was very reasonable. At the end of the trip, I got some sort of respiratory issue and received treatment in Bangkok. I submitted my claim to Luma. The payment and process were flawless, and I received reimbursement very quickly.
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.
