LUMA health insurance in Thailand: Hi5 and Prime plans
Prices updated 11 Jul 2026 · Expat health insurance brand, Thailand
LUMA is a health insurance brand designed for expats living in Thailand. Its range has two families: Hi5 plans and higher-limit Prime plans, all with worldwide cover and an optional outpatient benefit.
- Plans compared
- 5
- Annual limits
- 5,000,000 THB to 50,000,000 THB
- Ages priced
- 0 to 70
- Cover area
- Worldwide
- Outpatient (OPD)
- Optional on most plans
- Cashless hospitals
- Yes, in the insurer network
LUMA plans and yearly premiums
Estimated annual premium, inpatient cover only (IPD), at three reference ages. Open a plan for the full price grid by age, with and without outpatient cover.
Estimated prices, not an official quote. These amounts come from the insurers' rate tables (updated 11 Jul 2026) and are given for information only. The actual premium is set by the insurer after reviewing your application. Continue to receive the insurer's official quote, free and without obligation.
Get my official quote| Plan | Annual limit | Room / night | Area | Age 30 | Age 45 | Age 60 |
|---|---|---|---|---|---|---|
| LUMA Hi5 Plan 1 | 5,000,000 THB | 5,000 THB | Worldwide | 38,400 THB | 64,100 THB | 147,600 THB |
| LUMA Hi5 Plan 2 | 5,000,000 THB | 8,000 THB | Worldwide | 42,600 THB | 71,000 THB | 163,700 THB |
| LUMA Prime Plan 1 | 10,000,000 THB | 12,000 THB | Worldwide | 54,000 THB | 90,200 THB | 207,900 THB |
| LUMA Prime Plan 2 | 30,000,000 THB | 15,000 THB | Worldwide | 60,800 THB | 101,500 THB | 234,000 THB |
| LUMA Prime Plan 3 | 50,000,000 THB | 20,000 THB | Worldwide | 68,400 THB | 114,200 THB | 263,300 THB |
Plan details
- LUMA Hi5 Plan 1
Annual limit 5,000,000 THB · room 5,000 THB/night · OPD optional · ages 0–70
- LUMA Hi5 Plan 2
Annual limit 5,000,000 THB · room 8,000 THB/night · OPD optional · ages 0–70
- LUMA Prime Plan 1
Annual limit 10,000,000 THB · room 12,000 THB/night · OPD optional · ages 0–70
- LUMA Prime Plan 2
Annual limit 30,000,000 THB · room 15,000 THB/night · OPD optional · ages 0–70
- LUMA Prime Plan 3
Annual limit 50,000,000 THB · room 20,000 THB/night · OPD optional · ages 0–70
Frequently asked questions
How much does LUMA health insurance cost in Thailand?
In our rate tables, the cheapest LUMA plan costs about 38,400 THB per year at age 30 and 147,600 THB at age 60, inpatient cover only. Premiums rise with age, annual limit and options such as outpatient cover. Prices are indicative; the final premium depends on underwriting.
Which LUMA plans meet the O-A retirement visa requirement?
The O-A visa requires cover of at least 3,000,000 THB (USD 100,000). 5 LUMA plans have an annual limit at or above that level: Hi5 Plan 1, Hi5 Plan 2, Prime Plan 1, Prime Plan 2, Prime Plan 3. The certificate itself must be issued by the insurer.
Does LUMA cover outpatient (OPD) care?
Yes, outpatient cover is available as an option on 5 of 5 plans. Without it, the plan pays for hospital admissions (IPD) only, which lowers the premium.
Up to what age can I buy LUMA health insurance?
Our LUMA rate tables go from age 0 to 70. Entry and renewal age limits differ by plan and are set in the policy wording; check them before you buy, especially after 60.
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