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 $20,000 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
Choose the length of your coverage
up to 365 days
Immediate
Certificate of insurance
upon payment!
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Luma Thailand Pass
- Item 1. Death, Dismemberment, Loss of Sight or Total Permanent Disability from accident.
- Item 2. Medical Expenses from injury or sickness
- Item 3. Emergency Medical Evacuation or Repatriation to Country of Domicile
- Item 4. Repatriation of Mortal Remains to Country of Domicile
- Item 5. Expenses for Visiting the Patient in the Hospital
- Item 6. Loss or Damage of Travel Documents
- Item 7. Public Liability (Deductible of 1,000 THB per claim)
- Item 8. Trip Cancellation or Postponement
- Item 9. Trip Curtailment
- Item 10. Travel Delay (Flat payment of 4,000 THB for every 6 consecutive hours delay)
- Item 11. Baggage Delay (Flat payment of 4,000 THB for every 6 consecutive hours delay of Checked-In Baggage from time of arrival)
- Item 12. Health2GO: medical consultation online service, one single usage per policy, can be used any time, anywhere. This service is not for emergencies requiring immediate medical attention.
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Super Lite Plan
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฿1,89930 Days
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500,000Item 1. Death, Dismemberment, Loss of Sight or Total Permanent Disability from accident.
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700,000Item 2. Medical Expenses from injury or sickness
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500,000Item 3. Emergency Medical Evacuation or Repatriation to Country of Domicile
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500,000Item 4. Repatriation of Mortal Remains to Country of Domicile
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25,000Item 5. Expenses for Visiting the Patient in the Hospital
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2,500Item 6. Loss or Damage of Travel Documents
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250,000Item 7. Public Liability (Deductible of 1,000 THB per claim)
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Item 8. Trip Cancellation or Postponement
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Item 9. Trip Curtailment
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Item 10. Travel Delay (Flat payment of 4,000 THB for every 6 consecutive hours delay)
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Item 11. Baggage Delay (Flat payment of 4,000 THB for every 6 consecutive hours delay of Checked-In Baggage from time of arrival)
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Item 12. Health2GO: medical consultation online service, one single usage per policy, can be used any time, anywhere. This service is not for emergencies requiring immediate medical attention.
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Plan 1 Lite
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฿2,39930 Days
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1,000,000Item 1. Death, Dismemberment, Loss of Sight or Total Permanent Disability from accident.
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1,800,000Item 2. Medical Expenses from injury or sickness
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1,000,000Item 3. Emergency Medical Evacuation or Repatriation to Country of Domicile
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1,000,000Item 4. Repatriation of Mortal Remains to Country of Domicile
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50,000Item 5. Expenses for Visiting the Patient in the Hospital
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5,000Item 6. Loss or Damage of Travel Documents
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500,000Item 7. Public Liability (Deductible of 1,000 THB per claim)
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Item 8. Trip Cancellation or Postponement
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Item 9. Trip Curtailment
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Item 10. Travel Delay (Flat payment of 4,000 THB for every 6 consecutive hours delay)
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Item 11. Baggage Delay (Flat payment of 4,000 THB for every 6 consecutive hours delay of Checked-In Baggage from time of arrival)
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Item 12. Health2GO: medical consultation online service, one single usage per policy, can be used any time, anywhere. This service is not for emergencies requiring immediate medical attention.
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Plan 1
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฿3,09030 Days
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1,000,000Item 1. Death, Dismemberment, Loss of Sight or Total Permanent Disability from accident.
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3,500,000Item 2. Medical Expenses from injury or sickness
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1,000,000Item 3. Emergency Medical Evacuation or Repatriation to Country of Domicile
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1,000,000Item 4. Repatriation of Mortal Remains to Country of Domicile
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50,000Item 5. Expenses for Visiting the Patient in the Hospital
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5,000Item 6. Loss or Damage of Travel Documents
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500,000Item 7. Public Liability (Deductible of 1,000 THB per claim)
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Item 8. Trip Cancellation or Postponement
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Item 9. Trip Curtailment
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Item 10. Travel Delay (Flat payment of 4,000 THB for every 6 consecutive hours delay)
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Item 11. Baggage Delay (Flat payment of 4,000 THB for every 6 consecutive hours delay of Checked-In Baggage from time of arrival)
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Item 12. Health2GO: medical consultation online service, one single usage per policy, can be used any time, anywhere. This service is not for emergencies requiring immediate medical attention.
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Plan 2
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฿4,58330 Days
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2,000,000Item 1. Death, Dismemberment, Loss of Sight or Total Permanent Disability from accident.
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3,500,000Item 2. Medical Expenses from injury or sickness
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2,000,000Item 3. Emergency Medical Evacuation or Repatriation to Country of Domicile
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2,000,000Item 4. Repatriation of Mortal Remains to Country of Domicile
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100,000Item 5. Expenses for Visiting the Patient in the Hospital
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10,000Item 6. Loss or Damage of Travel Documents
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1,500,000Item 7. Public Liability (Deductible of 1,000 THB per claim)
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30,000Item 8. Trip Cancellation or Postponement
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30,000Item 9. Trip Curtailment
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20,000Item 10. Travel Delay (Flat payment of 4,000 THB for every 6 consecutive hours delay)
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20,000Item 11. Baggage Delay (Flat payment of 4,000 THB for every 6 consecutive hours delay of Checked-In Baggage from time of arrival)
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Item 12. Health2GO: medical consultation online service, one single usage per policy, can be used any time, anywhere. This service is not for emergencies requiring immediate medical attention.
Policy Documents
Payment options
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 1-74 years old:
- a. Applicants between 1-18 years old that are applying with parent(s) must have one of the parents sign for them.
- b. 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.
- 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.
- Policy holders are required to settle payments with medical facilities upon getting treatments, and submit claims for reimbursements.
- Direct billing services can be operated on a case by case basis when contacting Customer Support prior to getting treatment
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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 of insurance, within 10 minutes after payment has been finalised. 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 Super Lit Plan, Lite Plan, Plan 1, and Plan 2 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 the insured person is hospitalized during the effective period of 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 within 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?
Policyholders are required to settle payments with medical facilities upon getting treatments, and submit claims for reimbursements. Direct billing services can be operated on a case by case basis when contacting Customer Support prior to getting treatment.
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 that occur while the insured is driving or passenger on a motorcycle are excluded.
Is this product suitable for foreigners traveling to Thailand for work?
Full medical coverage is preferred. In all cases, the chosen period of coverage should match the applicants’ VISA stay in Thailand. In this case, if a foreigner enters Thailand with a 1-year work permit, he would need to choose 365 days of coverage period with the start date of the policy on the date of entry to Thailand.
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 1-74 years old:
a. Applicants between 1-18 years old that are applying with parent(s) must have one of the parents’ sign for them.
b. 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.
Is this insurance product accepted by Thai Consulates in Overseas countries and does it meet the requirements for entry (Insurance valued at more than 20,000 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