📍 Wireless Road, Bangkok
Licensed broker and MGA since 2012, specializing in health and travel insurance for expats across Southeast Asia.
LUMA Health Insurance is a fully licensed non-life and life insurance broker operating as a Managing General Agent (MGA) since 2012, providing specialized health and travel insurance solutions across Southeast Asia. Founded and run by expats for expats, LUMA brings a unique insider perspective to understanding and addressing the healthcare needs of international residents in Thailand and the region. With a head office in Bangkok and regional offices in Cambodia, Vietnam, and Myanmar, LUMA offers comprehensive Southeast Asia coverage through their network of over 400 hospitals. Since 2017, LUMA has been providing high-quality health insurance solutions tailored specifically to expatriates and locals across Thailand, Vietnam, Cambodia, Laos, and Myanmar, making them ideal for expats who travel frequently within the region. LUMA's philosophy is "more than just insurance" - they craft, curate, and care for your health across Southeast Asia. Their multilingual support team understands the challenges expats face and provides direct billing services, making healthcare access seamless. As an MGA, LUMA works with multiple insurance providers to find the best coverage options for each client's unique needs and budget.
Consultation: Discuss your healthcare needs, regional travel patterns, and budget with expat-focused advisors
Coverage Analysis: Review multiple insurance options from various providers as an independent broker
Plan Customization: Design coverage that matches your lifestyle and regional travel needs
Application & Underwriting: Assist with application process and medical underwriting if required
Policy Activation: Receive policy documents and direct billing cards for regional hospital network
Ongoing Support: Multilingual customer service and claims assistance across Southeast Asia
Competitive broker rates with multiple provider options
"LUMA understood my need for coverage across Thailand, Vietnam, and Cambodia as I travel for work. Being founded by expats, they get it. The direct billing at 400+ hospitals has been incredibly convenient."
Kevin Morrison · American Digital Nomad, Southeast Asia
"As a broker, LUMA found me better coverage at a better price than I could find on my own. Their multilingual support is excellent and they truly care about finding the right solution, not just selling a policy."
Sophie Martin · French Expat, Bangkok
"The regional Southeast Asia coverage was exactly what I needed for my work that takes me across multiple countries. LUMA's expat-focused approach and understanding of our unique needs sets them apart."
Michael Chen · Singaporean Professional, Regional Role
As a licensed broker and Managing General Agent (MGA), LUMA works with multiple insurance providers to find you the best coverage options. Unlike direct insurers, LUMA compares plans from various providers to match your specific needs and budget.
Yes, LUMA specializes in regional coverage across Thailand, Vietnam, Cambodia, Laos, and Myanmar with direct billing at 400+ hospitals across the region, perfect for expats who travel frequently within Southeast Asia.
LUMA is founded and run by expats who understand the unique challenges of living abroad. This insider perspective, combined with broker access to multiple insurance providers, allows LUMA to provide truly personalized, expat-focused solutions.
Yes, LUMA offers multilingual customer service to assist expats from various countries. Our team understands the challenges of navigating healthcare systems in a foreign country and provides support in multiple languages.
2012
✓ Licensed Non-Life and Life Insurance Broker in Thailand
✓ Managing General Agent (MGA) since 2012
✓ AMCHAM Thailand Member