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LUMA Insurance

Brilliantly simple health insurance solutions for discerning global residents. Enjoy brighter, and be

27/03/2026

Motorbikes are how you explore Southeast Asia. Most travel insurance won't cover you if you crash.

The reality: Scooter rentals are everywhere—Thailand, Vietnam, Bali, Cambodia. They're cheap, convenient, and often the only way to reach beaches, temples, and rural areas. Millions of travelers rent them.

The insurance problem: Most travel insurance has blanket motorcycle exclusions. Even for small scooters. If you crash, you're uninsured—even if you were careful or have a license.

LUMA's approach: We cover motorbike accidents, whether you're riding or a passenger. Because we know that's how people actually travel here.

Most insurers say "no motorbikes, period." We say "ride responsibly, we've got you covered."

26/03/2026

We're proud to offer Southeast Asia's most extensive provider network — and it's always expanding.

If you visit a hospital or clinic outside our network, don't worry—you can still submit your claim for reimbursement according to your policy terms.

Have a trusted provider you'd like us to work with? Let us know and we'll get on it.

25/03/2026

📌 Is there a link between contraceptive pills and breast cancer?

Yes - but it's smaller and more temporary than most headlines suggest.

The real question isn't just about the pill. It's about your full health picture: your family history, your lifestyle, and whether you're getting the right medical guidance.

💡 In some countries, contraceptive pills are easily available over the counter, however, convenience shouldn't replace proper care. A doctor's consultation ensures you get the right option for your individual risk profile.

🔗 Read the full article : https://bit.ly/4t92FbH

24/03/2026

We're proud to partner with nonprofits to organize their seminars. We streamline travel coordination so they can focus on their mission—not administrative tasks—saving hours per event and reducing coordination errors.

HR teams must consolidate dozens of travel arrangements at once, each with different departure dates and routes.

How LUMA helps: We provide one point of contact for the entire organization. Instead of juggling multiple conversations and processes, HR teams work with a single dedicated partner who handles everything.
Last year alone, we coordinated travel protection for more than 1,000 business attendees across the globe.

20/03/2026

The sakura doesn't wait. Neither should you. 🌸
Japan's cherry blossoms are already here — Tokyo, Kyoto, Osaka — and the front keeps moving north until late April.
One trip or the full trail, you'll want to go protected.

Get covered before you go.
https://bit.ly/47R8t16

19/03/2026

Your gut needs both—but they do different jobs.

- Probiotics = live beneficial bacteria (you’re adding the “good bugs”).
- Prebiotics = specific fibers that feed those good bacteria (you’re giving them fuel).

Probiotic foods: yogurt with live cultures, kefir, kimchi, sauerkraut, miso, tempeh

Prebiotic foods: garlic, onions, leeks, asparagus, oats, beans, apples, slightly green bananas

Pro tip: Start slow. Adding either too fast can cause temporary gas or bloating.

Bottom line: If you want to add helpful bacteria, choose probiotics. If you want to help them thrive, add prebiotics.

18/03/2026

Finding the right health cover in Southeast Asia can feel like something's missing.

Local plans are built for locals.

Global plans are priced for a worldwide lifestyle.

LUMA is the missing piece.

High cover designed for expat life in SEA, with international best-practice standards and boutique, hands-on service.

The result: a plan that fits how you actually live here.

LUMA completes the puzzle, combining:

- Regional expertise with on-the-ground experience
- International best practices and first-class standards
- Boutique service with hands-on support
- Over a decade of serving expats across the region

Ready to complete the puzzle? Our consultants are here to guide you.

17/03/2026

Medical emergency abroad? Don't call us first. Just go to the hospital.

Here's the truth about "24/7 assistance" that most insurers won't tell you: In the first 30 critical minutes of a medical emergency, a hotline can't help as much as preparation can.

What actually saves lives:
✓ You already know which hospital to direct your taxi to
✓ You have the hospital name and address saved in the local language
✓ You know the local ambulance number (it's not 911 everywhere)
✓ You have your insurance details and emergency contact with you

What we tell travelers:
Research before you go. Locate 1–2 quality hospitals in each destination. Save addresses. Know the plan.

Call us after you reach the hospital, or have someone call us—we'll handle coordination, billing, family updates, and follow-up. But in an emergency? Don't wait. Just go.

Preparation beats a phone call every time.

16/03/2026

Over a decade operating across Southeast Asia, we have built a very specific kind of knowledge: what care is available, where, and what it takes to reach it.

We know where specialized equipment is.

We know which facilities have key specialists on standby.

And we know real transfer times between cities, because we have managed them.

That is the difference between a provider and a companion.

When an emergency arises, we're ready. Our teams follow proven protocols, backed by years of real-world experience across the region—so you're never just another case file.

Regional expertise. Personal commitment.

13/03/2026

A local doctor recommends immediate surgery. You're 8,000 miles from home. Should you trust the diagnosis?

You're sick or injured abroad, and a local doctor gives you a diagnosis and treatment plan. Maybe it's aggressive treatment for something minor. Maybe you just want confirmation before agreeing to surgery in a foreign hospital.
Most travel insurance offers a claims hotline and coverage confirmation — then you're on your own for medical decisions.
LUMA connects you with Medipro so you can get second opinions before you agree to treatment.

Real medical guidance when you need confidence in your treatment plan — not just "yes, it's covered." Because the right decision matters more than a quick decision.

12/03/2026

Copayment helps you get the coverage you need at a price that works for you.

Here's the good news: your insurer is there to help by sharing the cost with you. You pay a percentage, and we cover the rest—so you're never carrying the full weight alone.

Because you contribute a little each time, your monthly premium stays affordable.

At LUMA, you can choose the copayment percentage that fits your lifestyle. Our consultants are here to help you find what works best.

What's the difference between copayment and a deductible?

A deductible is a fixed amount you pay upfront before your insurance kicks in.

Copayment is a percentage you share everytime , keeping in flexible and fair.

Let's find the right fit for you. Talk to our team today!

11/03/2026

You'd never skip car insurance, right?

So why leave your health unprotected?

LUMA makes health coverage simple, smart, and stress-free. Tailored plans for families across Southeast Asia. Real people, real help, whenever you need it.

Ready to protect what matters most? Let's chat.