LUMA Prime Plan 1 health insurance: price by age and benefits
Prices updated 11 Jul 2026 · source: insurer rate table
LUMA Prime Plan 1 is a standard-level plan from LUMA with an annual limit of 10,000,000 THB and worldwide cover. It can be bought for hospital admissions only (IPD) or with outpatient cover (OPD).
Benefits at a glance
- Annual limit
- 10,000,000 THB
- Room & board
- 12,000 THB per night
- Intensive care (ICU)
- As charged
- Cover area
- Worldwide
- Outpatient (OPD)
- Optional
- Deductible
- Deductible options available
- Cashless hospitals
- Yes, in the insurer network
- Level
- Standard
- Ages priced
- 0 to 70
Limits are per policy year unless stated otherwise in the policy wording. Exclusions, waiting periods and sub-limits apply: see exclusions and waiting period.
LUMA Prime Plan 1 estimated price by age
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 quoteEstimated annual premium in THB, rounded to 100, ages 0 to 70.
| Age | Inpatient only (IPD) | Inpatient + outpatient |
|---|---|---|
| 0 | 213,400 THB | 255,000 THB |
| 1 | 213,400 THB | 255,000 THB |
| 2 | 213,400 THB | 255,000 THB |
| 3 | 213,400 THB | 255,000 THB |
| 4 | 213,400 THB | 255,000 THB |
| 5 | 213,400 THB | 255,000 THB |
| 6 | 149,700 THB | 173,200 THB |
| 7 | 149,700 THB | 173,200 THB |
| 8 | 149,700 THB | 173,200 THB |
| 9 | 149,700 THB | 173,200 THB |
| 10 | 149,700 THB | 173,200 THB |
| 11 | 71,500 THB | 94,900 THB |
| 12 | 71,500 THB | 94,900 THB |
| 13 | 71,500 THB | 94,900 THB |
| 14 | 71,500 THB | 94,900 THB |
| 15 | 71,500 THB | 94,900 THB |
| 16 | 71,500 THB | 94,900 THB |
| 17 | 71,500 THB | 94,900 THB |
| 18 | 42,700 THB | 59,800 THB |
| 19 | 42,700 THB | 59,800 THB |
| 20 | 42,700 THB | 59,800 THB |
| 21 | 42,700 THB | 59,800 THB |
| 22 | 42,700 THB | 59,800 THB |
| 23 | 42,700 THB | 59,800 THB |
| 24 | 42,700 THB | 59,800 THB |
| 25 | 44,900 THB | 61,900 THB |
| 26 | 47,100 THB | 63,900 THB |
| 27 | 49,200 THB | 66,000 THB |
| 28 | 51,400 THB | 68,800 THB |
| 29 | 52,700 THB | 70,800 THB |
| 30 | 54,000 THB | 72,800 THB |
| 31 | 57,300 THB | 76,700 THB |
| 32 | 59,900 THB | 80,000 THB |
| 33 | 61,400 THB | 81,900 THB |
| 34 | 62,900 THB | 83,800 THB |
| 35 | 64,300 THB | 85,800 THB |
| 36 | 65,800 THB | 87,700 THB |
| 37 | 67,300 THB | 89,600 THB |
| 38 | 69,900 THB | 92,800 THB |
| 39 | 72,500 THB | 96,800 THB |
| 40 | 75,200 THB | 99,100 THB |
| 41 | 77,800 THB | 102,300 THB |
| 42 | 80,400 THB | 105,400 THB |
| 43 | 83,800 THB | 109,400 THB |
| 44 | 86,800 THB | 113,000 THB |
| 45 | 90,200 THB | 117,000 THB |
| 46 | 93,500 THB | 121,000 THB |
| 47 | 97,200 THB | 125,300 THB |
| 48 | 102,100 THB | 130,700 THB |
| 49 | 106,900 THB | 136,200 THB |
| 50 | 111,800 THB | 141,700 THB |
| 51 | 116,600 THB | 147,200 THB |
| 52 | 121,500 THB | 152,700 THB |
| 53 | 129,900 THB | 161,700 THB |
| 54 | 138,300 THB | 170,700 THB |
| 55 | 146,600 THB | 179,800 THB |
| 56 | 155,000 THB | 188,800 THB |
| 57 | 163,400 THB | 197,800 THB |
| 58 | 178,200 THB | 213,300 THB |
| 59 | 193,000 THB | 228,800 THB |
| 60 | 207,900 THB | 244,300 THB |
| 61 | 222,700 THB | 259,800 THB |
| 62 | 237,500 THB | 275,200 THB |
| 63 | 260,600 THB | 299,000 THB |
| 64 | 283,700 THB | 322,700 THB |
| 65 | 307,000 THB | 346,600 THB |
| 66 | 330,100 THB | 370,300 THB |
| 67 | 353,200 THB | 394,000 THB |
| 68 | 371,600 THB | 413,300 THB |
| 69 | 390,100 THB | 432,600 THB |
| 70 | 408,600 THB | 451,900 THB |
Frequently asked questions
How much does LUMA Prime Plan 1 cost per year?
In the insurer rate table, LUMA Prime Plan 1 costs 54,000 THB per year at age 30 and 207,900 THB at age 60 for inpatient cover only, or 72,800 THB at age 30 with outpatient cover. Premiums are indicative and depend on underwriting.
Is LUMA Prime Plan 1 accepted for the O-A retirement visa?
Its annual limit (10,000,000 THB) meets the O-A requirement of at least 3,000,000 THB (USD 100,000). Acceptance also requires a certificate issued by the insurer for the duration of the stay.
Is LUMA Prime Plan 1 enough for the LTR visa?
The LTR visa requires at least USD 50,000 of cover for treatment in Thailand. With 10,000,000 THB per year, LUMA Prime Plan 1 is above that level; check the latest BOI conditions before applying.
Does LUMA Prime Plan 1 cover outpatient visits?
Outpatient cover (doctor visits, tests and medicines without admission) is available as an option, for a higher premium.
Other LUMA plans
Is LUMA Prime Plan 1 right for your age and budget?
Answer a few questions and see the plans that fit your age, budget and visa. No fee, no obligation.