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Benefits Highlight

  • Cover up to 100,000 USD

  • Multi-Trip and Multi-Destination Coverage

  • Covers Covid-19

Who is it for?

  • From 4 weeks to 75 years old

  • For all nationalities

Why choose LUMA?

  • Best travel insurance to Asia, trusted by more than 60,000 travelers

  • 24/7 Medical Emergency Hotline

  • Access to LUMA Customer Service teams based in Asia

Get Your Travel Insurance in 5 Easy Steps

Check Prices for your Travel Insurance

1 Duration Period
2 Plan & Pricing
3 Personal Information
4 Order Summary
5 Online Payment

USD
$
EUR
€
GBP
£
THB
฿
AUD
A$
BENEFITS (USD)
Insurance premium price per person
Medical Expenses and Emergency Assistance: Covers the cost of medical treatment arising from illness or accident injury for both Inpatient and Outpatient
10,000 USD
25,000 USD
50,000 USD
100,000 USD
Medical Expenses: Fees for hospitalization, surgery, ambulance, medicine and tests with a maximum of 261 USD per day for hospital room and board
Up to Limit
Up to Limit
Up to Limit
Up to Limit
Follow-up Care: Medical expenses reasonably incurred immediately following discharge from hospital within 90 days of return to home country
5,650 USD
5,650 USD
5,650 USD
5,650 USD
Emergency Evacuation: Emergency evacuation to the nearest facility capable of providing adequate medical care
Up to Limit
Up to Limit
Up to Limit
Up to Limit
Repatriation: Repatriation to the country of origin when the Company and attending physician determine that it is necessary
Up to Limit
Up to Limit
Up to Limit
Up to Limit
Hospital Cash Allowance: 43 USD for each complete day the Insured Person is hospitalized over 24 hours as a result of a covered disability
-
-
650 USD
870 USD
Additional Costs of Travel & Accommodation: Additional travelling costs of the Insured Person for returning to the country of origin and additional costs of accommodation incurred by the Insured Person or an insured immediate family member or traveling companion when such costs arise from hospitalization due to a covered disability necessitating medical treatment of the Insured Person
-
-
3,050 USD
4,350 USD
Family Member Visit: Travelling costs for 1 immediate family member to join the Insured Person who is confined in hospital for more than 5 days or is dead abroad
-
-
3,050 USD
4,350 USD
Return of Children: Reasonable additional accommodation and travelling expenses for unattended insured children (age below 16) return to the country of origin
-
-
3,050 USD
4,350 USD
Mortal Remains: Transportation charges for repatriation of the mortal remains to the country of origin
1,750 USD
1,750 USD
1,750 USD
2,600 USD
Personal Accident: Accidental death or permanent disability including loss of one or more limbs or loss of sight in one or both eyes. The limit of cover for children under 18 is 17,400 USD
17,400 USD
17,400 USD
17,400 USD
43,500 USD
Incidental Cover: Covers incidents during the trip
Baggage and Personal Effects: Loss or damage directly resulting from accident, theft, burglary, robbery or mishandling by carriers to the Insured Person's baggage or personal items carried. The limit is 217 USD per item and 435 USD per pair or set. Loss of laptop is limited to 435 USD
-
-
700 USD
1,300 USD
Baggage Delay: Emergency purchases of essential items of toiletries and clothing up to a maximum of 57 USD per article when the checked baggage is delayed for at least 6 hours from the time of arrival in the eligible countries within the zone of coverage
-
-
100 USD
200 USD
Loss of Travel Document: Cost of obtaining replacements of passport, air tickets; travel expenses and accommodation incurred to obtain such replacement arising from theft, burglary, robbery and accidental loss. Maximum limit per day for travel and accommodation expenses is USD130 for plan Business and USD174 for plan First
-
-
1,300 USD
1,750 USD
Personal Money: Loss of cash, bank notes and travelers checks arising from theft, burglary or robbery
-
-
200 USD
350 USD
Travel Delay Cash Allowance: If the Insured Person need not pay additional travelling cost in the event of travel delay, the Insured Person will be indemnified at 22 USD for each full 6 hours delay.
-
-
100 USD
150 USD
Curtailment of Trip or Cancellation Charges: Reimbursement of irrecoverable prepaid travel arrangement deposits or any increased cost of travel in the event of death, serious injury or illness of the Insured Person, immediate family members, close business partner or travel companion of the Insured Person; witness summons, jury service, natural disasters at the planned destination or complete destruction of the Insured Person’s principal residence.
-
-
4,000 USD
5,650 USD
Personal Liability: Indemnity against legal liability to a third party as a result of accidental injury or loss or damage to property during the Period of Insurance. (This benefit does not apply to the use or hire of motorized vehicles)
-
-
56,500 USD
87,000 USD
Rental Car Excess Cover: Reimbursement of excess which the Insured Person is liable to pay for accidental loss or damage to a rental car.
-
-
250 USD
450 USD
Economy
Premium Economy
Business
First

Insured No.1

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Gender
Prefix

Insurance information

Insurance Plan:

Departure Country:

Travel Start Date:

The period of coverage:

Total Price:

First Destination Country:

Travel End Date:

Zone of Coverage:

Country of Residence:

Price per Person:

Insured No. 1

Name:

Passport number:

Tel.:

Country:

City:

Address:

Beneficiary:

Nationality:

Gender:

Date of Birth:

Email (the policy will be sent to this email):

Beneficiary’s full name:

Relationship with beneficiary:

Emergency Contact Name:

Emergency Contact Phone:



Luma Care Co., Ltd.

Order number:

Total amount:
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Frequently Asked Questions

Terms and Conditions:

Any trekking or mountain climbing activities in Nepal are excluded.

The maximum Period of Insurance for this Policy shall be 180 consecutive calendar days.

Applicants must be aged at least 4 weeks old and below 75 years old.

Children under the age of 7 years must be accompanied by an adult who is also insured under the same Policy.

This Policy is non-cancelable by the Company or by the Policyholder except in the circumstances of non receipt of premium by the Company and no refund of premium will be made once this Policy has been issued.

There is no direct billing in respect of medical expenses provided under this Policy unless the expenses are expected to exceed 1,000 USD (VND 24,000,000) and that the arrangement is coordinated by the Company or its designated assistance company.

This policy does not cover preexisting conditions, general exclusions nor medical expenses exclusions as stated in the Policy Wording.

The zone of coverage of LUMA Asia Pass refers to the countries eligible for coverage as stated in the Certificate of Insurance. You will be covered during your insurance policy period for regional or multiple trips within countries included in the zone of coverage.

This Policy is only valid for leisure travel or business travel (limited to administrative and non manual works only) and NOT cover for travel to any of the countries within the zone of coverage to seek for medical treatment.

In case the Insured’s country of origin is one country within eligible zone of coverage, the Policy does NOT cover for any losses or expenses arising from the country of origin of the Insured.

In case the Insured would like to purchase another policy after first policy expires, there shall be no gap in coverage and total duration of coverage of all policies combined shall not exceed 180 days. Policy holders reaching 76 years old during the policy are not eligible to purchase a new policy. Any event or condition that occurred before the new policy start date is considered pre-existing and the Insured is not able to claim for any of these conditions under the new policy. Should the Insured be actively treated or under the supervision of a Physician or Surgeon, the Insured is not eligible to purchase another policy.