Luma Asia Care Plus health insurance plans are designed for expatriates and locals residing in Laos; offering great value yet remaining comprehensive and international.

All Asia Care Plus health insurance plans offer comprehensive coverage for unexpected incidents including critical illnesses such as cancer, heart attack, kidney failure, coronary artery- bypass surgery and organ transplant services.

Asia Care Plus health insurance plans provide you the reassurance of lifetime renewal guarantees. Regardless of the presence of any new medical conditions, acute or chronic, you can always renew your policy. What’s more, no matter what your age, you’ll be able to renew your policy at the same rate as others in your age group, regardless of how many claims you’ve made in the previous year.

Here’s what Luma Asia Care Plus offers our valued clients:

* Comprehensive health insurance solutions
From plans with lifetime renewal guarantees to policies for small business employees, Luma’s range of health insurance options provide you complete peace of mind.

* Free consultation and support
Our in-house doctors can assess your case on demand, will offer guidance and support and if required may suggest a second opinion with relevant specialists.

* No upfront payments at leading medical facilities
Paying for your medical expenses upfront is stressful. Not only is it costly, but it can also be complicated and time consuming, as you’re often required to fill out extra paperwork and deal with the tedious back and forth between you and your insurance provider.

* Easy policy & claims management
Managing your plan has never be easier. With Luma’s secure online service portal and mobile application, you can submit claims directly from your smartphone. What’s more, if you’ve ever experienced the panic of forgetting your insurance card, our mobile app virtual card ensures it’s handy for every doctor visit.

* 24/7 worldwide emergency & multilingual support
We speak your language. Whether your native tongue is Lao, French, German, Thai, Burmese, Vietnamese or English, our goal is to understand and fulfill your needs. When you choose Luma, you can expect multi-language support from our locally based,experienced multicultural teams.

Benefits include :

• High cover for hospitalization (in-patient treatments) up to 1.6 million USD
• Full cover for cancer treatments
• Full cover for new chronic conditions
• Dental, maternity & health-checkup options
• Pre-existing conditions can be covered if declared and accepted
• Guaranteed renewability
• Multiple international coverage options
• Coverage for congenital anomalies

Brochure
Download the brochure here.

Direct Billing Hospitals Network
Download the network list SEA and Thailand.

Policy Wording
Download the policy wording here.

Application Form
Download the application form here. You can return the form by email at insurance@jclao.com (photo or scanned)

Premium
Please contact us for your premium calculation; use below contact form or email us at insurance@jclao.com