Luma Long Stay Care Review: Is It a Good Plan for Retirees?

Luma Health is one of the best-known local insurers among expats in Thailand. Long Stay Care was its entry-level plan for retirement visa holders, but Luma is no longer actively offering it and now points most retirees to two newer plans, Hi5 and Prime.

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About Long Stay Care

Long Stay Care was Luma’s simple, entry-level plan for retirement visa holders. Luma is winding it down in favour of Hi5 and Prime, but here is what the plan covers if you still want to ask about it, especially if you are over 70:

• You get personal assistance from Luma to make sure you get the right insurance for your visa application.
• You can use this plan to apply for a retirement visa in Thailand (Non-immigrant OA, Non-immigrant OX, and LTR visa).
• You get a maximum of 3,000,000 THB coverage per illness, including COVID-19.
• You can get the plan even if you are already 80 years old and renew it until you are 90 years old.
• You can visit any hospital in Thailand and choose any doctor of your choice.
• You don’t need to pay out of pocket when visiting most hospitals in Thailand that are partnered with Luma.
• You can significantly decrease your premium by increasing your deductible.
• You can apply for the plan even if you have pre-existing conditions. However, your pre-existing conditions might not be covered.
• You do not need to have a health check-up if you are younger than 65 years old.
• This plan was designed by Luma with Navakij, an official member of the Thai General Insurance Association, for people applying for a Non-OA retirement visa in Thailand.

Long Stay Care is simple and comes with six deductible options from 20,000 to 200,000 THB. Because Luma is no longer actively selling it, premiums are quoted case by case, so ask a Luma agent for a current figure rather than relying on an old quote. You can read the full rules in our guide to the mandatory health insurance rules for retirees.

Get a Personalized Quote

If you are interested in Hi5, Prime, or Long Stay Care with Luma Health, enter your details on this page.

You will be connected with an official agent from Luma Health who can then help you out. They can give you a quote, confirm the plan meets your visa requirement, and answer any additional questions you have.

About Luma Health

Luma Health offers various insurance packages, from individual and family plans to SME and large corporate plans. There are some benefits that Luma offers that you’ll rarely find.

In addition to English, Luma Health has native German and French-speaking staff on hand who can speed up a lot of things like reimbursements or disputes. Unlike a lot of other international insurance companies, they have an internationally-staffed office in Thailand that helps their local customers.

They’ve partnered with over 2 million medical providers worldwide. Over 5,000 families and companies in Thailand are insured by Luma Health.

Disclaimer

Please note that we are not an insurance broker and can’t offer individualized advice. We can only connect you with people who we would consult in your situation, and who we found to be professional, knowledgeable, and ethical in their dealings with clients.

These providers sometimes provide us with a financial incentive to refer new clients to them. This happens at no cost to you and helps us cover some of the expenses of running this website.

Please be aware that while we do our best to select the most suitable providers, we’re unable to provide any guarantees or accept any liability resulting from your interactions and transactions with our partners.