LUMA Health Insurance Reviews 17

Really grateful to the Luma team, and their medical team.
I was faced with a health issue, and I wasn't sure where to go in Bangkok because there are just so many hospitals. I got in touch with their customer service who connected me to their medical team, and they reviewed my case and referred me to a specialist.
All is clear now, but looking back I'm glad I had someone who was able to guide me and understood my concerns!

Whenever I had questions about the coverage, I could easily reach the customer service team not only through emails but also via their official WhatsApp.
The team is very reactive, professional, and easy to deal with. I also really appreciate that they have an in-house doctor available for medical guidance and referrals, which adds an extra layer of reassurance.
What I like most is their approach: you can share your budget and requirements, and they will help tailor a solution or even recommend options from different insurers as a broker.
Overall, I feel well supported and confident with LUMA for my family’s health coverage, and I would definitely recommend them.

I purchased travel insurance with Luma for the SE Asia trip, Dec 1-Jan 15. The cost was very reasonable. At the end of the trip, I got some sort of respiratory issue and received treatment in Bangkok. I submitted my claim to Luma. The payment and process were flawless, and I received reimbursement very quickly.

Despite initial communication issues, Luma proved to be an excellent partner for insurance in the SEA field.
They took perfect care of me and provided all the necessary information.

I had a really good experience with LUMA when I needed to change doctors. Their medical team helped me arrange a second opinion at another hospital with a doctor who had more experience in my case. The doctor they recommended took the time to explain the procedure and treatment clearly, which made a big difference for me.

They provided me with several options to choose from and helped me explore the market. Really appreciate their dedication and patience.

Send exclusion like every even if the exam was ok.they pay nothing since i've the insurance but still send exclusion .avoid it!!

As an HR Director, I use LUMA Travel insurance to ensure our staff is covered whenever they travel for business. I book it online when they plan their trip or even last minute. Peace of mind for all.

They paid for the 3 nights admission of my kid for RSV at BNH hospital without any questions asked. Customer service always prompt and courteous. Thanks LUMA!

They claim to approve your application with no pre-existing conditions. But will spend months trying to find something in your medical records and ultimately not payout. Under no circumstances would I recommend this company.

I bought Inpatient health insurance for myself and my family of 4 members in 2023.
There was no clame from our side and that is why the following year they gave me a discount of Bath 5000 . Interesting thing is they sent me reminders 3-4 times to renew the policy for the yr 2024/25 which I finaly did.
In 2025 they sent me renewal offer adding 34% increase that too after no claim discount of 5000 bath.

I wanted an explanstion for such increase and they used the excuse of more claims by others policy holders which doesn't make
sense.
My deadline of renewal is less then 6 days but no reminder from them like last year.
Bottom line is as i have touched 60 and my wife will be touching 51 they are trying to discourage us to renew the policy by increasing the premium to 33%

I purchased health insurance for my 2 children in 2023 and have continued over the years.

Both my son and daughter have had to use the insurance in the past and have had a positive experience handling claims and the hospitals.

I also had to get a second medical opinion from the doctors at Luma as my son had some issues which went on for some time, the medical team at Luma were able to refer me to a specific doctor specializing in the area and finally my son was properly diagnosed and cared for.

Very happy with Luma and expect to continue with them for the years coming!

I WILL NEVER USE LUMA AGAIN.
I RECOMMEND YOU DO NOT USE LUMA.
CUSTOMER SERVICE REPS BASED IN VIETNAM DENIED CLAIMS
BURIED IN PAGES OF FORMS TO DISSUADE CLAIMS

I bought Luma Travel Insurance for an upcoming trip throughout South East Asia. I was starting in Thailand. This was a policy for about half a year. Technically I'm still covered, but IT HASN'T COVERED A SINGLE THING.

I made sure that it would cover Thailand as I was planning to leaving and returning, using Thailand as my travel hub.

Luckily (I thought), but it turns out to be unlucky, I had a minor fall the following day which required x-rays, a soft cast, and a couple of follow up visits in Bangkok as I had fractured my right foot.

At the hospital the travel insurance wasn't recognized, I had to pay out of pocket. I submitted the paperwork I received from the hospital to Luma and got no response for months. Dozens of pages of paperwork (WHEN I'M ON VACATION, LUMA forms from the hospital, Accident Reports, Individual Expense Reports)

Eventually they required me to re-submit all the documents all over again to a customer service rep in Vietnam. This is when I knew I was going to get screwed. They cited terms and conditions that weren't the ones I signed up for initially and the claim was denied. The the medical expenses was about $1000, not even a very expensive claim. However, the months long inconvenience leading to the eventual denial of claim means:

Again,
I WILL NEVER USE LUMA AGAIN.
I RECOMMEND YOU DO NOT USE LUMA.

I will be returning to Thailand and non-stop traveling for the rest of my life, almost assuredly, and I won't be using Luma ever again or recommend it to anyone I know.

Personally I think they are short sided and will be losing a lot more than 1,000$ in business.

Its best to choose something else.

This insurance company invents a policy that if a hospital is not in their network you must first pay and then ask them for the money, which of course we already know will never come back. tired of these fraudulent methods.

Helpful, responsive, reliable insurance.

I accidentally booked an insurance through Luma, later it was shown that I did not need it. I contacted the customer support and they refunded my money without any issues. A serious insurance company that I will use in future.

This is a scam. promises 5minutes for confirmation email and policy, been 3 hours and nothing, Money sure as hell went through though...