Luma Health & Travel insurance for Expats in Asean
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 Health — International Insurance for Expats & Companies 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.
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 Health is — and isn't — the right fit for.
Expats, families and companies of any size across Southeast Asia who want a locally-present, multilingual insurance partner with a genuine medical concierge team behind the policy — rather than a purely UK/Europe-run call centre. Especially strong for clients who value in-person offices and regional claims handling in Vietnam, Thailand, Cambodia and Myanmar, and for employers wanting group health plans from as few as 3 employees.
How LUMA Health 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 4/5
LUMA is a regional insurance intermediary rather than a risk carrier — plans are placed with established underwriting partners including Allianz, AXA, Cigna, Chubb, Tokio Marine, Viriyah, FWD, MSIG and Pacific Cross depending on market, with LUMA's own team owning the member experience and claims relationship. Backing by multiple large, well-known carriers spreads underwriting risk but means the specific insurer behind a policy varies by country.
Benefits Value 4/5
Individual and family health plans, group plans for companies from as few as 3 employees, and travel insurance via LUMA Travel — with a First and Second Medical Opinion service delivered by LUMA's own in-house medical team (MediPro), and reported access to over 2 million medical providers worldwide.
Flexibility 3/5
Country-specific plans across Thailand, Vietnam, Cambodia, Indonesia, Laos and a broader international tier for South & wider Asia, plus separate group and travel products — solid breadth, though less of an interchangeable global tier structure than the widest international insurers on our directory.
Pricing 3/5
Positioned as a regionally-focused, boutique alternative rather than a budget option — pricing reflects the added cost of maintaining physical offices and a dedicated medical concierge team across four countries.
Admin & Claims 4/5
Claims, digital insurance card and medical network access run through the LUMA Care mobile app, backed by local-language teams in each office and a 24/7 emergency hotline — a genuinely on-the-ground alternative to a distant call centre for clients based in Vietnam, Thailand, Cambodia or Myanmar.
Southeast Asia's boutique insurance specialist
Established in 2012, LUMA Health has grown into a one-stop shop for health and travel insurance across Southeast Asia, built by a team of over 10 nationalities to serve an international client base. LUMA is not itself an underwriter — it designs and administers plans in partnership with major carriers, while its own teams handle member experience, medical guidance and claims. Clients include individuals, families and companies, with LUMA reporting relationships with multinational corporates, NGOs and embassies across the region.
Regional footprint & partner carriers
LUMA maintains its own offices in Thailand, Vietnam, Cambodia and Myanmar, plus a European base in Bordeaux, France (Insuneo / LUMA International), and places cover with a panel of established insurers rather than carrying risk itself:
What LUMA Health offers
Sourced from LUMA's own product pages — grouped here the way our advisory board evaluates it.
Health Insurance
Country-specific international private medical plans for residents and expats in Thailand, Vietnam, Cambodia, Indonesia and Laos, plus a broader international plan for other Asian markets.
Group Insurance
Corporate health plans for companies of any size, starting from as few as 3 employees — used by multinational corporates, NGOs and embassies across the region.
Travel Insurance
Medical protection for holidays, work travel and relocation to and from Asia, delivered via the dedicated LUMA Travel platform.
First & Second Medical Opinion
Access to LUMA's in-house medical team — via the MediPro concierge service — for a first opinion on a diagnosis or a second opinion before major treatment decisions.
LUMA Care Mobile App
Digital insurance card, plan details, cashless claims submission and tracking, and a searchable directory of the medical network — all from one app (iOS & Android).
LUMA Privileges
An exclusive member perks and privileges program layered on top of eligible health plans.
Common questions about LUMA Health
Sourced and paraphrased from LUMA's own site — answered here in the context of clients based in Vietnam.
Is LUMA an insurance company?
LUMA acts as a regional intermediary and plan administrator, placing cover with established carriers such as Allianz, AXA, Cigna, Chubb and others depending on the market, while LUMA's own teams manage member experience, medical guidance and claims handling.
Which country plan should I choose?
LUMA offers country-specific plans for Thailand, Vietnam, Cambodia, Indonesia and Laos, plus a broader international plan covering other Asian markets such as the Philippines, Malaysia and India — the right plan depends on your country of residence, not just nationality.
Where does LUMA provide cover?
LUMA's core strength is Southeast Asia, with reported access to over 2 million medical providers worldwide and physical, staffed offices in Thailand, Vietnam, Cambodia and Myanmar — plus a European base in France.
What happens in a medical emergency?
Members call LUMA's 24/7 emergency hotline, staffed year-round — separate from general customer service, which runs Monday to Friday, 9am–6pm (UTC+7, Bangkok/Vietnam time).
How do I make a claim?
Claims are submitted and tracked through the LUMA Care mobile app or member portal, with local-language support available from LUMA's country offices — including the Vietnam office in Ho Chi Minh City.
Does LUMA offer group cover for companies?
Yes — group health insurance is available for employers of any size, starting from as few as 3 employees, with LUMA reporting relationships with multinational corporates, NGOs and embassies.
Reach LUMA Health or your advisor
Latest contact details, pulled directly from LUMA's official site.
LUMA's regional offices
LUMA's Vietnam, Cambodia and Myanmar offices run local business hours; the 24/7 emergency hotline in Thailand is staffed year-round for urgent medical assistance regardless of time zone. LUMA's direct customer service email is protected against spam harvesting on their site — use the contact form below or call directly.
