LUMA Expat Health Insurance

Comprehensive, customizable health insurance — designed for expats and families in Cambodia and across Asia.

Core Coverage

Inpatient and day-case hospitalisation
Private room up to USD 170/day (Superior care and above cover true private rooms)
Emergency evacuation & repatriation worldwide (within zone)
Direct billing with network hospitals, both inpatient and outpatient
Locally applicable from Day 1

Outpatient & routine health checks (GP visits, diagnostic tests)
Dental & Vision (check-ups, major dental work, glasses)
Maternity (normal delivery and complications – with waiting period) These follow the same modular structure noted in Plans 4 and 5

Residence requirement: 185+ days/year in Cambodia
Area of cover: Choose Zone A/B/C (Zone C is worldwide excluding major countries)
Emergency cover worldwide: Up to 60-day trips outside zone, capped at USD 250 000/year

Optional deductibles available:

English | Français

Plan	Annual Limit	Hospitalisation Room
Plan 1 – Essential Care	USD 1,000,000	Private room up to USD 170/day
Plan 2 – Balance Care	USD 1,000,000	Private room up to USD 170/day
Plan 3 – Superior Care	USD 1,000,000	Private room up to USD 170/day
Plan 4 – Premium Care	USD 1,600,000	Full private room (paid in full)
Plan 5 – Platinum Care	USD 1,600,000	Full private room (paid in full)

Name

First

Last

E-mail

Phone

Nationality

Your Date of Birth

Date of Birth (mm/dd/yy)

Comment or Message