Friday, February 6, 2026
32.8 C
Bangkok

Luma medical insurance essential plan

I noticed the policy limit is 261 USD per day for hospital room and board (~8,000THB)

Should this be a concern?

They provided a list of local hospitals room rates here:

https://www.lumahealth.com/health-insurance/thailand/hospital-room-rates-under-12000/

edit: Double checking the T&C's, there's no separate max for ICU which can cost 3k/day plus it does not seem to cover "cardiovascular conditions" (section 5.2) ie: A heart attack

https://info.lumahealth.com/hubfs/PRODUCTS/LUMA%20World%20Pass%20Travel%20Insurance/LUMA%20Travel%20Insurance%20Policy%2020241108%20LAP%20LWP.pdf

Edit: Confirmed with Luma: cardiovascular conditions are NOT covered at all pre-existing ot not



View Reddit by bcretmanView Source

Latest articles

Popular Categories