Insurance · Health insurance
Luma
Health insurance · Phnom Penh
Luma (formerly Luma Asia / Luma Care) is a regional health insurer specifically focused on Southeast Asia, founded in 2013 and based in Bangkok, with a direct operation in Cambodia under Luma (Cambodia) Insurance. The positioning is unique on the market: Luma is one of the very few international health insurers with an active local licence in several ASEAN countries (Thailand, Cambodia, Myanmar, Indonesia, Philippines), which combines serious regional cover with a physical presence including offices in Phnom Penh. Luma mainly targets expats residing in ASEAN, digital nomads, and business travellers. Three main ranges — Asia Care 80 / 130 / 360 — offer progressive cover, from in-patient only to full cover with maternity, dental and optical. For expats in Cambodia, Luma stands out for: (1) local presence (Phnom Penh office, 24/7 English-speaking phone line), (2) direct billing at the main Cambodian clinics and a solid ASEAN regional network, (3) competitive rates (USD 1,500–4,500 / adult / year depending on plan), and (4) plans with a USD deposit accepting on-the-spot KHR payments. The company is regulated by the IRC in Cambodia and publishes its solvency ratio in line with local standards. Documentation and customer service mainly in English and Thai; some advisers in Bangkok speak French. A good choice for expats staying in Southeast Asia who want to avoid the cost of an AXA Global Healthcare or Cigna Global while keeping a service level above pure-play local insurers.
Verified on
- Website
- https://www.lumahealth.com
- care@lumahealth.com
- Phone
- +855 23 962 800
- Languages
- EN TH KH
- Google Reviews
- 4.3 / 5 (195 reviews)
Address
Phnom Penh Tower, 14F, No. 445, Monivong Boulevard, Sangkat Boeung Pralit, Khan 7 Makara, Phnom Penh 12258
ផ្ទះលេខ ៤៤៥ មហាវិថីព្រះមុនីវង្ស សង្កាត់បឹងព្រលឹត ខណ្ឌ ៧ មករា ភ្នំពេញ
Insurance types covered
Advantages & drawbacks
Advantages
- Local presence — Phnom Penh office + Bangkok branch — in-person service available.
- ASEAN specialist — Rates and networks designed for Southeast Asia residents.
- Good price/service ratio — USD 1,500–4,500 / adult / year.
- Cashless regional network — Direct billing across Phnom Penh / Bangkok / Singapore.
Drawbacks
- No USA / Canada cover included — "Worldwide" plan available but a paid option.
- No official French version — Customer service in English / Thai / Khmer.
- Younger than European players — Less developed independent rating than long-standing players.
Available insurances
| Product | Type | Target | Description |
|---|---|---|---|
| Asia Care 80 | Health insurance | Tight budget | Hospitalisation only, USD 80,000 cap. |
| Asia Care 130 | Health insurance | Individuals / families | Hospitalisation + outpatient, USD 130,000 cap. |
| Asia Care 360 | Health insurance | High-end expat families | Full cover: in-patient, out-patient, maternity, dental, optical. |
| Travel Care | Travel insurance | Short-stay travellers | Travel plan 1–90 days, Schengen-compliant. |
Coverage limits
| Item | Limit | Notes |
|---|---|---|
| Hospitalisation | Up to USD 360,000 / year | Asia Care 360 plan. |
| Medical evacuation | Up to USD 250,000 | — |
| Outpatient care | Up to USD 25,000 / year | — |
| Maternity | Up to USD 8,000 | 360 plan, 10-month waiting period. |
| Dental | Up to USD 1,500 / year | — |
| Optical | Up to USD 400 / year | — |
Coverage regions
| Region | Status | Notes |
|---|---|---|
| Southeast Asia (ASEAN) | Included | Main cover. |
| Wider Asia (India, China, Japan, Korea) | Included | — |
| Worldwide ex-US | Optional | — |
| USA / Canada | Optional | Heavy surcharge. |
Inclusions & exclusions
| Element | Status | Notes |
|---|---|---|
| Hospitalisation | Included | — |
| Outpatient care | Included | 130 / 360 plans. |
| Maternity | Included | 360 plan, 10-month waiting period. |
| Dental | Optional | — |
| Optical | Optional | — |
| Pre-existing conditions | Excluded | — |
| Extreme sports | Excluded | — |
| Cosmetic treatments | Excluded | — |
| COVID-19 | Included | — |
Partner medical network
- Royal Phnom Penh Hospital — Phnom Penh
- Sunrise Japan Hospital — Phnom Penh
- Raffles Medical Phnom Penh — Phnom Penh
- Naga Clinic — Phnom Penh
- Khema International Polyclinic — Phnom Penh
- Sen Sok International University Hospital — Phnom Penh
- Royal Angkor International Hospital — Siem Reap
- Bumrungrad International Hospital — Bangkok
- Bangkok Hospital — Bangkok
Sources (2)
Every fact in this guide comes from official documents or government sites. An access date is recorded for each source.
- Site officiel Luma — Cambodge Official