Luma Health & Travel insurance for Expats in Vietnam
Health and travel insurance designed for Life in Asia
Southeast Asia's boutique international health, group and travel insurance specialist — established 2012, with on-the-ground offices in Thailand, Vietnam, Cambodia and Myanmar, a personal medical concierge team, and access to the region's largest direct-billing hospital network. Tailored protection that fits your lifestyle
LUMA - Bao Long Health Insurance Vietnam
LUMA's Vietnam health plans are underwritten by Bao Long Insurance Corporation — Vietnam's first joint-stock non-life insurer, publicly listed and regulated by the Ministry of Finance — while LUMA handles plan design, member services, direct billing and its in-house Medipro medical team.
No single insurer fits every risk
We represent more than 25 insurers precisely because medical, vehicle, home, factory/office and professional liability cover each reward a different kind of underwriter or administrator. An insurer we rate highly for expat medical cover may not be who we'd recommend for a factory property policy. This profile tells you what LUMA - Bao Long is — and isn't — the right fit for.
LUMA is the plan designer and distributor; it is not the underwriter. In Vietnam, LUMA's health and travel plans are underwritten by Bao Long Insurance Corporation — Vietnam's first joint-stock non-life insurer, established in 1995, publicly listed on UPCOM (stock code BLI) since December 2015, and regulated by Vietnam's Ministry of Finance. Bao Long carries the insurance risk and is legally responsible for paying approved claims; LUMA handles plan design, sales, member services, direct billing coordination and access to its in-house Medipro medical team.
This two-party structure is common for regional health insurance brands operating "onshore" in Vietnam, and gives members both a locally regulated, publicly-audited underwriter (Bao Long) and an international-standard service layer (LUMA) — but it's worth understanding both names, since your policy documents, claims correspondence and premium payments may reference either entity.
Expats and Vietnamese nationals residing in Vietnam (185+ days a year, ages 18-74 at application) who want a locally-regulated health plan with genuine international-standard service — a dedicated Vietnam-based LUMA team, direct billing across a strong hospital network, an in-house medical team for second opinions, and 24/7 emergency assistance — while still having their claims backed by an established, publicly-listed local underwriter. Especially strong for clients who value LUMA's cancer treatment coverage and want to compare plans across three tiers (Asia Care Premier, Pro and Plus) suited to different budgets. Less suited to those who specifically want their policy underwritten directly by a single global carrier rather than a locally-licensed Vietnamese insurer, or anyone needing cover for pre-existing conditions, which are excluded across LUMA's Vietnam plans.
How LUMA - Bao Long scores on our 5 criteria
Scored out of 5 on each criterion. See the full methodology for how we assess reliability, benefits, flexibility, pricing and claims handling across all partner insurers. Illustrative rating based on advisory board review — updated periodically.
Reliability
Claims are backed by Bao Long Insurance Corporation — Vietnam's first joint-stock non-life insurer, publicly listed on UPCOM since 2015 and regulated by the Ministry of Finance — giving members a regulated, financially audited underwriter behind LUMA's international-standard service layer.
Benefits Value
Three tiers (Asia Care Premier, Pro and Plus) scale from essential to comprehensive cover, with cancer treatment paid in full on higher tiers, medical evacuation and repatriation, and access to LUMA's in-house Medipro medical team for second opinions — a genuine step above a purely local plan.
Flexibility
A solid three-tier structure lets members size their plan to budget, with optional dental, vision and maternity add-ons on higher tiers — good breadth, though less granular customisation than insurers offering fully modular benefit-by-benefit selection.
Pricing
Positioned as a genuinely accessible entry point to international-standard health cover in Vietnam — Asia Care Premier starts at a lower price point than most international-only plans, making the tier ladder a good value story for budget-conscious buyers.
Admin & Claims
Direct billing across a strong hospital network, a 24/7 emergency hotline, and the LUMA Care mobile app for claims submission and tracking give members multiple fast paths to service — backed by Bao Long's three decades of local claims-paying experience.
Two names, one plan: LUMA designs it, Bao Long underwrites it
LUMA has operated in Vietnam since 2016, distributing health and travel insurance plans across Southeast Asia while partnering with locally licensed underwriters in each market. In Vietnam, that partner is Bao Long Insurance Corporation, established in 1995 as Vietnam's first joint-stock non-life insurer, with 46 subsidiaries nationwide, 25+ industry awards and over three decades of experience across health, motor, property, marine and agricultural insurance. Bao Long has been publicly listed on Vietnam's UPCOM exchange (stock code BLI) since December 2015, giving policyholders audited financials and reporting obligations as an added layer of transparency. LUMA's role sits on top of this regulated foundation — plan design, sales, member services, direct billing coordination, and its in-house Medipro medical team, which provides second opinions and hospital navigation beyond what most insurers offer.
LUMA Vietnam plan tiers — underwritten by Bao Long
Three tiers currently run under this partnership, sized for different budgets and life stages:
What LUMA - Bao Long offers in Vietnam
Sourced from LUMA's Vietnam health insurance pages — grouped here the way our advisory board evaluates it.
Asia Care Premier Vietnam
Essential health cover with $100,000 USD medical cover per year, a standard private room paid in full, and $2,000 USD outpatient benefits per year.
Asia Care Pro Vietnam
Exclusive international health insurance with premium care access — up to $500,000 USD medical cover per year, up to $5,000 USD outpatient benefits, and optional dental, vision and maternity cover.
Asia Care Plus Vietnam
Comprehensive international health insurance with up to $1.6 million USD medical cover per year, cancer treatment paid in full, direct billing across LUMA's medical network, and medical evacuation and repatriation.
Group Insurance
Health insurance solutions for companies in Vietnam starting from just 3 employees, with the ability to upgrade from individual plans to a group policy as the team grows.
LUMA Care Mobile App
Submit and track claims online, access your digital insurance card, and search the direct billing medical network — available on iOS and Android.
Medipro & Second Medical Opinion
Access to LUMA's in-house international medical team for expert guidance and second opinions on diagnoses or treatment decisions — a layer most insurers don't offer.
Common questions about LUMA - Bao Long in Vietnam
Sourced and paraphrased from LUMA's own Vietnam site — answered here in the context of clients based in Vietnam.
Who actually underwrites my LUMA health plan in Vietnam?
Bao Long Insurance Corporation — Vietnam's first joint-stock non-life insurer, regulated by the Ministry of Finance and publicly listed on UPCOM since December 2015. Bao Long carries the insurance risk and pays approved claims; LUMA manages the plan, member services and direct billing on top of that.
Who can apply for LUMA health insurance in Vietnam?
Adults aged 18 to 70 at application (up to 74 for some plans), with children under 18 includable on a parent's policy. All nationalities are welcome, applicants must reside at least 185 days a year in Vietnam, and some occupations are excluded — check with a consultant for your specific profile.
Are pre-existing conditions covered?
No — pre-existing conditions are excluded across LUMA's current Vietnam health plans, though conditions may exceptionally be covered if fully declared and accepted by the insurer during underwriting.
Does LUMA offer direct billing in Vietnam?
Yes — LUMA operates a large direct billing network covering top hospitals and clinics in Vietnam and across Southeast Asia for both inpatient and outpatient care, eliminating the need to pay upfront at network facilities.
How do I make a claim?
Claims outside the direct billing network, or when direct billing isn't available or chosen, are submitted via the LUMA Care mobile app. Members can also contact LUMA's Customer Service team for clarification on coverage before filing.
What happens in a medical emergency?
Call LUMA's 24/7 Emergency Hotline for guidance and assistance — separate from the Monday-Friday customer service line, which operates 09:00-18:00 (UTC+7).
Reach LUMA - Bao Long or your advisor
Latest contact details, pulled directly from LUMA's official Vietnam site and Bao Long's contact page.
LUMA & Bao Long in Vietnam
LUMA's own Vietnam office (Đa Kao, District 1) shares its address with Bao Long's Vietnam contact point — for local, in-person queries this is the number to call first, with LUMA's regional Thailand hotline as the round-the-clock emergency backup. LUMA's general customer service email is protected against spam harvesting on their site — use the contact form on lumahealth.com/contact-us/ or call directly.
