Introducing an online solution for short term visitors needing COVID-19 insurance for Thailand. Luma Thailand Pass meets the government requirements for the Certificate of Entry to Thailand with overall coverage of 100,000 USD including cover […]
Thailand Pass Details
Travel insurance plans designed to meet the health insurance requirements for visitors wanting to enter Thailand during the COVID-19 pandemic.
Checklist – Is this insurance right for me?
✔ Insurance for medical expenses to at least 100,000 USD
✔ Includes coverage for COVID-19
✔ Medical expenses for other illnesses & accidents
✔ Insurance Certificate provided for the embassy, airline, and immigration
✔ Coverage for Thailand only (not including Pattani, Yala, and Narathiwat)
✖ For visitors coming INTO Thailand only
✖ Does not cover Motorcycle accidents
✖ Hospital Room & Board covered up to not more than 10,000 THB/Day
✖ You pay for hospital treatment first then claim back on return to home country
✖ Insurance Policy cannot be extended while inside Thailand
Is full medical insurance a better option for me?
If you are a foreigner living or working in Thailand or are returning to the kingdom for work on a non-immigrant “B” visa, or on any kind of renewable non-immigrant “O” marriage or retirement visa then you are advised to purchase full medical insurance through an approved provider. Full medical insurance carries many additional benefits such as covering the cost of inpatient treatment when you are admitted to hospital. In this case, the hospital deals with the insurance company directly meaning you do not have to pay for inpatient treatment first and claim the cost back later. Travel Insurance should be an addition to coverage not an alternative to a full comprehensive medical insurance plan.
Thai Expat Health offers insurance from Luma and other reputable companies that offer superior levels of customer service and claims support. In most cases, your insurance application can be approved in less than 7-10 days and coverage can begin as soon as payment is received.
Contact us if you need additional information or have any further questions regarding full medical insurance at: thaiexpathealth.com
30, 90, 180 day & annual packages available
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Luma Thailand Pass
- Item 1. Loss of Life, Dismemberment,Loss of Sight or Total Permermanent Disability arising from General accident
- Item 2. Medical Expenses for sickness and accident
- Item 3. Emergency Medical Evacuation and Repatriation to Country of Domicile
- Item 4. Repatriation of Body or Ashes to Country of Domicile
- Item 5. Expenses to visit patients at the hospital
- Item 6. Trip Cancellation
- Item 7. Trip Curtailment
- Item 8. Travel Delay (Flat payment of 4,000 Baht for every 6 consecutive hours delay)
- Item 9. Baggage Delay (Flat payment of 4,000 Baht for every 6 consecutive hours delay of Checked-In Baggage from time of arrival)
- Item 10. Loss or Damage of Baggage or Personal Effects, that are not in exception, by covering 3,000 Baht per any one item (Deductible of 600 Baht per claim)
- Item 11. Loss of Travel Document
- Item 12. Public Liability (Deductible of 1,000 Baht per claim)
- Item 13. Loss of Credit Card (Deductible of 1,000 Baht per claim)
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Plan 1
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฿34,000Annual
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1,000,000
Item 1. Loss of Life, Dismemberment,Loss of Sight or Total Permermanent Disability arising from General accident
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3,500,000
Item 2. Medical Expenses for sickness and accident
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1,000,000
Item 3. Emergency Medical Evacuation and Repatriation to Country of Domicile
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1,000,000
Item 4. Repatriation of Body or Ashes to Country of Domicile
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50,000
Item 5. Expenses to visit patients at the hospital
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Item 6. Trip Cancellation
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Item 7. Trip Curtailment
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Item 8. Travel Delay (Flat payment of 4,000 Baht for every 6 consecutive hours delay)
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Item 9. Baggage Delay (Flat payment of 4,000 Baht for every 6 consecutive hours delay of Checked-In Baggage from time of arrival)
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Item 10. Loss or Damage of Baggage or Personal Effects, that are not in exception, by covering 3,000 Baht per any one item (Deductible of 600 Baht per claim)
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5,000
Item 11. Loss of Travel Document
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500,000
Item 12. Public Liability (Deductible of 1,000 Baht per claim)
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Item 13. Loss of Credit Card (Deductible of 1,000 Baht per claim)
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Plan 2
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฿42,000Annual
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2,000,000
Item 1. Loss of Life, Dismemberment,Loss of Sight or Total Permermanent Disability arising from General accident
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3,500,000
Item 2. Medical Expenses for sickness and accident
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2,000,000
Item 3. Emergency Medical Evacuation and Repatriation to Country of Domicile
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2,000,000
Item 4. Repatriation of Body or Ashes to Country of Domicile
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100,000
Item 5. Expenses to visit patients at the hospital
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30,000
Item 6. Trip Cancellation
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30,000
Item 7. Trip Curtailment
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20,000
Item 8. Travel Delay (Flat payment of 4,000 Baht for every 6 consecutive hours delay)
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20,000
Item 9. Baggage Delay (Flat payment of 4,000 Baht for every 6 consecutive hours delay of Checked-In Baggage from time of arrival)
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Item 10. Loss or Damage of Baggage or Personal Effects, that are not in exception, by covering 3,000 Baht per any one item (Deductible of 600 Baht per claim)
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10,000
Item 11. Loss of Travel Document
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1,500,000
Item 12. Public Liability (Deductible of 1,000 Baht per claim)
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Item 13. Loss of Credit Card (Deductible of 1,000 Baht per claim)
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Plan 3
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฿51,000Annual
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3,000,000
Item 1. Loss of Life, Dismemberment,Loss of Sight or Total Permermanent Disability arising from General accident
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3,500,000
Item 2. Medical Expenses for sickness and accident
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3,000,000
Item 3. Emergency Medical Evacuation and Repatriation to Country of Domicile
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3,000,000
Item 4. Repatriation of Body or Ashes to Country of Domicile
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100,000
Item 5. Expenses to visit patients at the hospital
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50,000
Item 6. Trip Cancellation
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50,000
Item 7. Trip Curtailment
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40,000
Item 8. Travel Delay (Flat payment of 4,000 Baht for every 6 consecutive hours delay)
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40,000
Item 9. Baggage Delay (Flat payment of 4,000 Baht for every 6 consecutive hours delay of Checked-In Baggage from time of arrival)
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30,000
Item 10. Loss or Damage of Baggage or Personal Effects, that are not in exception, by covering 3,000 Baht per any one item (Deductible of 600 Baht per claim)
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20,000
Item 11. Loss of Travel Document
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3,000,000
Item 12. Public Liability (Deductible of 1,000 Baht per claim)
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10,000
Item 13. Loss of Credit Card (Deductible of 1,000 Baht per claim)
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Policy Documents
Payment options
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Luma Thailand Pass
- Item 1. Loss of Life, Dismemberment,Loss of Sight or Total Permermanent Disability arising from General accident
- Item 2. Medical Expenses for sickness and accident
- Item 3. Emergency Medical Evacuation and Repatriation to Country of Domicile
- Item 4. Repatriation of Body or Ashes to Country of Domicile
- Item 5. Expenses to visit patients at the hospital
- Item 6. Trip Cancellation
- Item 7. Trip Curtailment
- Item 8. Travel Delay (Flat payment of 4,000 Baht for every 6 consecutive hours delay)
- Item 9. Baggage Delay (Flat payment of 4,000 Baht for every 6 consecutive hours delay of Checked-In Baggage from time of arrival)
- Item 10. Loss or Damage of Baggage or Personal Effects, that are not in exception, by covering 3,000 Baht per any one item (Deductible of 600 Baht per claim)
- Item 11. Loss of Travel Document
- Item 12. Public Liability (Deductible of 1,000 Baht per claim)
- Item 13. Loss of Credit Card (Deductible of 1,000 Baht per claim)
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Plan 1
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฿34,000Annual
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1,000,000Item 1. Loss of Life, Dismemberment,Loss of Sight or Total Permermanent Disability arising from General accident
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3,500,000Item 2. Medical Expenses for sickness and accident
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1,000,000Item 3. Emergency Medical Evacuation and Repatriation to Country of Domicile
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1,000,000Item 4. Repatriation of Body or Ashes to Country of Domicile
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50,000Item 5. Expenses to visit patients at the hospital
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Item 6. Trip Cancellation
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Item 7. Trip Curtailment
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Item 8. Travel Delay (Flat payment of 4,000 Baht for every 6 consecutive hours delay)
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Item 9. Baggage Delay (Flat payment of 4,000 Baht for every 6 consecutive hours delay of Checked-In Baggage from time of arrival)
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Item 10. Loss or Damage of Baggage or Personal Effects, that are not in exception, by covering 3,000 Baht per any one item (Deductible of 600 Baht per claim)
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5,000Item 11. Loss of Travel Document
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500,000Item 12. Public Liability (Deductible of 1,000 Baht per claim)
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Item 13. Loss of Credit Card (Deductible of 1,000 Baht per claim)
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Plan 2
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฿42,000Annual
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2,000,000Item 1. Loss of Life, Dismemberment,Loss of Sight or Total Permermanent Disability arising from General accident
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3,500,000Item 2. Medical Expenses for sickness and accident
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2,000,000Item 3. Emergency Medical Evacuation and Repatriation to Country of Domicile
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2,000,000Item 4. Repatriation of Body or Ashes to Country of Domicile
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100,000Item 5. Expenses to visit patients at the hospital
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30,000Item 6. Trip Cancellation
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30,000Item 7. Trip Curtailment
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20,000Item 8. Travel Delay (Flat payment of 4,000 Baht for every 6 consecutive hours delay)
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20,000Item 9. Baggage Delay (Flat payment of 4,000 Baht for every 6 consecutive hours delay of Checked-In Baggage from time of arrival)
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Item 10. Loss or Damage of Baggage or Personal Effects, that are not in exception, by covering 3,000 Baht per any one item (Deductible of 600 Baht per claim)
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10,000Item 11. Loss of Travel Document
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1,500,000Item 12. Public Liability (Deductible of 1,000 Baht per claim)
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Item 13. Loss of Credit Card (Deductible of 1,000 Baht per claim)
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Plan 3
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฿51,000Annual
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3,000,000Item 1. Loss of Life, Dismemberment,Loss of Sight or Total Permermanent Disability arising from General accident
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3,500,000Item 2. Medical Expenses for sickness and accident
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3,000,000Item 3. Emergency Medical Evacuation and Repatriation to Country of Domicile
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3,000,000Item 4. Repatriation of Body or Ashes to Country of Domicile
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100,000Item 5. Expenses to visit patients at the hospital
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50,000Item 6. Trip Cancellation
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50,000Item 7. Trip Curtailment
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40,000Item 8. Travel Delay (Flat payment of 4,000 Baht for every 6 consecutive hours delay)
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40,000Item 9. Baggage Delay (Flat payment of 4,000 Baht for every 6 consecutive hours delay of Checked-In Baggage from time of arrival)
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30,000Item 10. Loss or Damage of Baggage or Personal Effects, that are not in exception, by covering 3,000 Baht per any one item (Deductible of 600 Baht per claim)
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20,000Item 11. Loss of Travel Document
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3,000,000Item 12. Public Liability (Deductible of 1,000 Baht per claim)
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10,000Item 13. Loss of Credit Card (Deductible of 1,000 Baht per claim)
Credit card payment on application
Terms and conditions:
- The chosen period of coverage should match the applicants’ VISA stay in Thailand
- Applicants must be between 1-75 years old
- Applicants between 1-18 years old that are applying with parent(s) must have one of the parents sign for them
- Applicants between 1-18 years old that are applying without parent(s) must have one of the parents stating the reason why the
child is applying alone on the application form - Applicants less than 1 year old need to apply with at least one parent. The Company reserves the right to apply 40% loading on
indicated premium.
- Thai national or traveller with medical purpose are not eligible
- Applicants must declare the countries they have visited the last 30 days before the
application date - 1 person cannot apply for more than one policy with Tune
- Applicants must be in good health with no disability
- This policy does not cover preexisting conditions
- The Company reserves the right to refuse coverage to persons travelling to the
following provinces: Pattani, Yala and Narathiwat - The Company reserves the right to refuse coverage to applicants who are already
infected with Coronavirus and/or applicants who are in quarantine state
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FAQ
What areas in Thailand does this insurance provide/not provide cover for?
This insurance provides coverage for Thailand (not including Pattani, Yala, and Narathiwat)
How many days ahead should I apply to Luma Thailand Pass in order to get my certificate on time?
Our team will send the insurance policy documents along with the COVID-19 certificate within 4 to 5 working days from payment date of insurance premium. In this case, please make sure to have your policy started at least 4 to 5 working days from your payment date. Also it is important that your chosen period of coverage matches your length of VISA stay in Thailand.
How do I go about requesting a refund??
Contact customer support at [email protected]. A consultant will contact you back within 3 business days (excluding weekends and holidays). The direct phone number is +662-078-5681 (Open Business Hours: Mon-Fri 08:00-17:00 BKK Hours)
Can I receive a refund if my visa is refused?
The policyholders and/or The Insured person may terminate this Policy by giving written notice to the Company and the Company shall refund premium after deducting the premium for the time the Policy has been in force (As per the short-term premium rate shown in the table of the policy wording).
In what circumstances can I receive a refund?
The policyholders and/or The Insured person may terminate this Policy by giving written notice to the Company and the Company shall refund premium after deducting the premium for the time the Policy has been in force (As per the short-term premium rate shown in the table of the policy wording).
Can the Travel Insurance Policy be extended if it expires while I am still in Thailand?
No, the insured cannot renew the policy for an additional period while he or she is in Thailand.
Is the policy wording for Plan 1, Plan 2, and Plan 3 the same?
No. Each plan of Luma Thailand Pass has its own policy wording.
If I suffer a debilitating illness during the policy am I covered for the costs of future treatment after the policy date has expired?
In case that the insured person is hospitalized during the effective period the insurance policy and requires continued treatment as an inpatient, the coverage of this Policy shall extend until the insured person is discharged from the hospital or the medical facility.
Are there any other special limitations I should know about?
Yes, please see below for clarification:
a) Please kindly refer to the General Exclusions in Section 3 of the policy document.
b) If the claim is for stolen items then the insured must have reported the theft to the police station within 2 days of the occurrence.
c) If the insured person requires follow-up treatment after the insurance period end, such medical treatment must be given with forty-eight (48) hours upon the insurance period end. The maximum amount under this follow-up to be paid is the actual amount incurred but not exceeding ten (10)% of the sum insured
Do I need to be in my home country to claim?
No, the insured can start the claim process from inside Thailand by providing evidence or documents as specified under insuring agreement to the company.
How quickly do I need to claim after being released from the hospital?
Claim and Submission of Evidence of Loss or Damage must be submitted within 30 days from the date of event occurring on the insured person.
Will the company deal with the hospital by direct billing?
No. All hospital treatment is pay and claim. This means the insured must pay the hospital bill first and claim back later.
What company underwrites this product?
Policies are underwritten by Tune Insurance Thailand
Are there any limits on room and board or hospital stay?
Yes. In-patient room and board must not exceed 10,000 Baht per day. This exclusion does not apply to the medical treatment in Intensive Care Unit (ICU) as per the medical standard.
Can this insurance be purchased by foreigners inside Thailand?
Yes, but it is not activated until the insured exits Thailand and then returns.
Does this insurance cover motorcycle accidents?
No. Injuries which occur while the insured is driving or passenger on a motorcycle are excluded.
Should I choose 3 months, 6 months, or 12 months coverage?
You should choose the period of coverage that matches the length of your VISA stay in Thailand. The Royal Thai Embassy or Consulate in your country is unlikely to issue the Certificate of Entry if your travel insurance does not cover the entire period of your stay. Also if your policy expires you will be unable to renew it for an additional period while your stay is in Thailand.
What are the age limits for coverage under this insurance plan?
Applicants must be between 1-75 years old.
- Applicants between 1-18 years old that are applying with parent(s) must have one of the parent's sign for them.
- Applicants between 1-18 years old that are applying without a parent(s) must have one of the parents stating the reason why the child is applying alone on the application form.
- Applicants who are less than 1-year-old need to apply with at least one parent. The Company reserves the right to apply 40% loading on indicated premium
Is this insurance product accepted by Thai Consulates in Overseas countries and does it meet the requirements for entry (Insurance valued at more than 100,000 USD which includes cover for COVID-19)?
Yes. This product has been filed with the Office of Insurance Commission Thailand (OIC) and meets the new immigration regulation of Thailand such as covering medical expenses due to COVID-19