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Benefits Highlight

  • Cover up to 100,000 USD

  • Multi-Trip and Multi-Destination Coverage

  • Covers Covid-19

Who is it for?

  • From 4 weeks to 75 years old

  • For all nationalities

Why choose LUMA?

  • Best travel insurance to Asia, trusted by more than 60,000 travelers

  • 24/7 Medical Emergency Hotline

  • Access to LUMA Customer Service teams based in Asia

1 Trip Details
2 Select Plan
3 Your Information
4 Confirm
5 Complete

The maximum period of insurance for this Policy shall be 180 consecutive calendar days.
Travel Start Date:
Travel End Date:
Departure Country:
Destination Country (multi-select):
Zone of Coverage:
Country of Residence:
Number of travellers:
1
Preferred currency:
USD
Choose your plan Essential
See Plan Details 		Explorer
See Plan Details 		Adventurer
See Plan Details 		Pioneer
See Plan Details 		Plan 1
See Plan Details 		Plan 2
See Plan Details 		Plan 3
See Plan Details
Total for 1 travellers
Price per person
Essential
Explorer
Adventurer
Pioneer
Plan 1
Plan 2
Plan 3
Essential
Premium price per person:
Total for travellers:
Medical Expenses: Covers the cost of medical treatment arising from sudden and unforeseen illness or accident injury for both Inpatient and Outpatient. Fees for hospitalization, surgery, ambulance, medicine and tests with a maximum of 261 USD per day for hospital room and board (Pre-approval required for all inpatient treatments)
USD 200,000
Baggage and Personal Effects: Loss or damage directly resulting from accident, theft, burglary, robbery or mishandling by carriers to the Insured Person's baggage or personal items carried. The limit is USD 217 per item and USD 435 per pair or set. Loss of laptop is limited to USD 435
-
Baggage Delay: Emergency purchases of essential items of toiletries and clothing up to a maximum of USD 57 per article when the checked baggage is delayed for at least 6 hours from the time of arrival in the eligible countries within the zone of coverage
-
Loss of Travel Document: Cost of obtaining replacements of passport, air tickets; travel expenses and accommodation incurred to obtain such replacement arising from theft, burglary, robbery and accidental loss. Maximum limit per day for travel and accommodation expenses is USD130 for plan Adventurer and USD174 for plan Pioneer
-
Personal Money: Loss of Cash, bank notes and travelers checks arising from theft, burglary or robbery
-
Travel Delay Cash: If the Insured Person need not pay additional travelling cost in the event of travel delay, the Insured Person will be indemnified at 22 USD for each full 6 hours delay.
-
Curtailment of Trip or Cancellation Charges: Reimbursement of irrecoverable prepaid travel arrangement deposits or any increased cost of travel in the event of death, serious injury or illness of the Insured Person, immediate family members, close business partner or travel companion of the Insured Person; witness summons, jury service; natural disasters at the planned destination or complete destruction of the Insured Person's principal residence.
-
Personal Liability: Indemnity against legal Liability to a third party as a result of accidental injury or Loss or damage to property during the Period of Insurance. (This benefit does not apply to the use or hire of motorized vehicles)
-
Rental Car Excess Cover: Reimbursement of Excess which the Insured Person is liable to pay for accidental Loss or damage to a Rental car.
-
Emergency Evacuation to the nearest facility capable of providing adequate Medical Care
Unlimited
Repatriation to the country of origin when the Company and attending physician determine that it is necessary
Unlimited
Follow-up Care: Medical expenses reasonably incurred immediately following discharge from hospital within 90 days of return to home country
-
Hospital Cash Allowance: 40 USD for each complete day the Insured Person is hospitalized over 24 hours as a result of a covered disability
-
Additional travelling Costs of the Insured Person for returning to the country of origin and Additional Costs of Accommodation incurred by the Insured Person or an Insured immediate family member or traveling companion when such Costs arise from hospitalization due to a covered disability necessitating Medical treatment of the Insured Person
-
Family Member Visit: Travelling costs for 1 immediate family member to join the Insured Person who is confined in hospital for more than 5 days or is dead aboard
-
Return of Children: Reasonable additional accommodation and travelling expenses for unattended insured children (age below 16) return to the country of origin
-
Mortal Remains: Transportation charges for Repatriation of the Mortal Remains to the country of origin
USD 2,000
PERSONAL ACCIDENT: Accidental death or permanent disability including loss of one or more limbs or loss of sight in one or both eyes. The limit of cover for children under 18 is USD 2,000
USD 2,000
Essential
Explorer
Premium price per person:
Total for travellers:
Medical Expenses: Covers the cost of medical treatment arising from sudden and unforeseen illness or accident injury for both Inpatient and Outpatient. Fees for hospitalization, surgery, ambulance, medicine and tests with a maximum of 261 USD per day for hospital room and board (Pre-approval required for all inpatient treatments)
USD 400,000
Baggage and Personal Effects: Loss or damage directly resulting from accident, theft, burglary, robbery or mishandling by carriers to the Insured Person's baggage or personal items carried. The limit is USD 217 per item and USD 435 per pair or set. Loss of laptop is limited to USD 435
USD 500
Baggage Delay: Emergency purchases of essential items of toiletries and clothing up to a maximum of USD 57 per article when the checked baggage is delayed for at least 6 hours from the time of arrival in the eligible countries within the zone of coverage
USD 100
Loss of Travel Document: Cost of obtaining replacements of passport, air tickets; travel expenses and accommodation incurred to obtain such replacement arising from theft, burglary, robbery and accidental loss. Maximum limit per day for travel and accommodation expenses is USD130 for plan Adventurer and USD174 for plan Pioneer
-
Personal Money: Loss of Cash, bank notes and travelers checks arising from theft, burglary or robbery
-
Travel Delay Cash: If the Insured Person need not pay additional travelling cost in the event of travel delay, the Insured Person will be indemnified at 22 USD for each full 6 hours delay.
-
Curtailment of Trip or Cancellation Charges: Reimbursement of irrecoverable prepaid travel arrangement deposits or any increased cost of travel in the event of death, serious injury or illness of the Insured Person, immediate family members, close business partner or travel companion of the Insured Person; witness summons, jury service; natural disasters at the planned destination or complete destruction of the Insured Person's principal residence.
USD 1,000
Personal Liability: Indemnity against legal Liability to a third party as a result of accidental injury or Loss or damage to property during the Period of Insurance. (This benefit does not apply to the use or hire of motorized vehicles)
-
Rental Car Excess Cover: Reimbursement of Excess which the Insured Person is liable to pay for accidental Loss or damage to a Rental car.
-
Emergency Evacuation to the nearest facility capable of providing adequate Medical Care
Unlimited
Repatriation to the country of origin when the Company and attending physician determine that it is necessary
Unlimited
Follow-up Care: Medical expenses reasonably incurred immediately following discharge from hospital within 90 days of return to home country
-
Hospital Cash Allowance: 40 USD for each complete day the Insured Person is hospitalized over 24 hours as a result of a covered disability
-
Additional travelling Costs of the Insured Person for returning to the country of origin and Additional Costs of Accommodation incurred by the Insured Person or an Insured immediate family member or traveling companion when such Costs arise from hospitalization due to a covered disability necessitating Medical treatment of the Insured Person
-
Family Member Visit: Travelling costs for 1 immediate family member to join the Insured Person who is confined in hospital for more than 5 days or is dead aboard
-
Return of Children: Reasonable additional accommodation and travelling expenses for unattended insured children (age below 16) return to the country of origin
-
Mortal Remains: Transportation charges for Repatriation of the Mortal Remains to the country of origin
USD 2,000
PERSONAL ACCIDENT: Accidental death or permanent disability including loss of one or more limbs or loss of sight in one or both eyes. The limit of cover for children under 18 is USD 2,000
USD 2,000
Explorer
Adventurer
Premium price per person:
Total for travellers:
Medical Expenses: Covers the cost of medical treatment arising from sudden and unforeseen illness or accident injury for both Inpatient and Outpatient. Fees for hospitalization, surgery, ambulance, medicine and tests with a maximum of 261 USD per day for hospital room and board (Pre-approval required for all inpatient treatments)
Unlimited
Baggage and Personal Effects: Loss or damage directly resulting from accident, theft, burglary, robbery or mishandling by carriers to the Insured Person's baggage or personal items carried. The limit is USD 217 per item and USD 435 per pair or set. Loss of laptop is limited to USD 435
USD 700
Baggage Delay: Emergency purchases of essential items of toiletries and clothing up to a maximum of USD 57 per article when the checked baggage is delayed for at least 6 hours from the time of arrival in the eligible countries within the zone of coverage
USD 200
Loss of Travel Document: Cost of obtaining replacements of passport, air tickets; travel expenses and accommodation incurred to obtain such replacement arising from theft, burglary, robbery and accidental loss. Maximum limit per day for travel and accommodation expenses is USD130 for plan Adventurer and USD174 for plan Pioneer
USD 1,000
Personal Money: Loss of Cash, bank notes and travelers checks arising from theft, burglary or robbery
USD 200
Travel Delay Cash: If the Insured Person need not pay additional travelling cost in the event of travel delay, the Insured Person will be indemnified at 22 USD for each full 6 hours delay.
USD 100
Curtailment of Trip or Cancellation Charges: Reimbursement of irrecoverable prepaid travel arrangement deposits or any increased cost of travel in the event of death, serious injury or illness of the Insured Person, immediate family members, close business partner or travel companion of the Insured Person; witness summons, jury service; natural disasters at the planned destination or complete destruction of the Insured Person's principal residence.
USD 3,000
Personal Liability: Indemnity against legal Liability to a third party as a result of accidental injury or Loss or damage to property during the Period of Insurance. (This benefit does not apply to the use or hire of motorized vehicles)
USD 50,000
Rental Car Excess Cover: Reimbursement of Excess which the Insured Person is liable to pay for accidental Loss or damage to a Rental car.
USD 250
Emergency Evacuation to the nearest facility capable of providing adequate Medical Care
Unlimited
Repatriation to the country of origin when the Company and attending physician determine that it is necessary
Unlimited
Follow-up Care: Medical expenses reasonably incurred immediately following discharge from hospital within 90 days of return to home country
-
Hospital Cash Allowance: 40 USD for each complete day the Insured Person is hospitalized over 24 hours as a result of a covered disability
-
Additional travelling Costs of the Insured Person for returning to the country of origin and Additional Costs of Accommodation incurred by the Insured Person or an Insured immediate family member or traveling companion when such Costs arise from hospitalization due to a covered disability necessitating Medical treatment of the Insured Person
USD 3,000
Family Member Visit: Travelling costs for 1 immediate family member to join the Insured Person who is confined in hospital for more than 5 days or is dead aboard
USD 3,000
Return of Children: Reasonable additional accommodation and travelling expenses for unattended insured children (age below 16) return to the country of origin
USD 3,000
Mortal Remains: Transportation charges for Repatriation of the Mortal Remains to the country of origin
USD 2,000
PERSONAL ACCIDENT: Accidental death or permanent disability including loss of one or more limbs or loss of sight in one or both eyes. The limit of cover for children under 18 is USD 2,000
USD 5,000
Adventurer
Pioneer
Premium price per person:
Total for travellers:
Medical Expenses: Covers the cost of medical treatment arising from sudden and unforeseen illness or accident injury for both Inpatient and Outpatient. Fees for hospitalization, surgery, ambulance, medicine and tests with a maximum of 261 USD per day for hospital room and board (Pre-approval required for all inpatient treatments)
Unlimited
Baggage and Personal Effects: Loss or damage directly resulting from accident, theft, burglary, robbery or mishandling by carriers to the Insured Person's baggage or personal items carried. The limit is USD 217 per item and USD 435 per pair or set. Loss of laptop is limited to USD 435
USD 1,500
Baggage Delay: Emergency purchases of essential items of toiletries and clothing up to a maximum of USD 57 per article when the checked baggage is delayed for at least 6 hours from the time of arrival in the eligible countries within the zone of coverage
USD 300
Loss of Travel Document: Cost of obtaining replacements of passport, air tickets; travel expenses and accommodation incurred to obtain such replacement arising from theft, burglary, robbery and accidental loss. Maximum limit per day for travel and accommodation expenses is USD130 for plan Adventurer and USD174 for plan Pioneer
USD 1,500
Personal Money: Loss of Cash, bank notes and travelers checks arising from theft, burglary or robbery
USD 350
Travel Delay Cash: If the Insured Person need not pay additional travelling cost in the event of travel delay, the Insured Person will be indemnified at 22 USD for each full 6 hours delay.
USD 150
Curtailment of Trip or Cancellation Charges: Reimbursement of irrecoverable prepaid travel arrangement deposits or any increased cost of travel in the event of death, serious injury or illness of the Insured Person, immediate family members, close business partner or travel companion of the Insured Person; witness summons, jury service; natural disasters at the planned destination or complete destruction of the Insured Person's principal residence.
USD 5,000
Personal Liability: Indemnity against legal Liability to a third party as a result of accidental injury or Loss or damage to property during the Period of Insurance. (This benefit does not apply to the use or hire of motorized vehicles)
USD 100,000
Rental Car Excess Cover: Reimbursement of Excess which the Insured Person is liable to pay for accidental Loss or damage to a Rental car.
USD 500
Emergency Evacuation to the nearest facility capable of providing adequate Medical Care
Unlimited
Repatriation to the country of origin when the Company and attending physician determine that it is necessary
Unlimited
Follow-up Care: Medical expenses reasonably incurred immediately following discharge from hospital within 90 days of return to home country
-
Hospital Cash Allowance: 40 USD for each complete day the Insured Person is hospitalized over 24 hours as a result of a covered disability
-
Additional travelling Costs of the Insured Person for returning to the country of origin and Additional Costs of Accommodation incurred by the Insured Person or an Insured immediate family member or traveling companion when such Costs arise from hospitalization due to a covered disability necessitating Medical treatment of the Insured Person
USD 4,500
Family Member Visit: Travelling costs for 1 immediate family member to join the Insured Person who is confined in hospital for more than 5 days or is dead aboard
USD 4,500
Return of Children: Reasonable additional accommodation and travelling expenses for unattended insured children (age below 16) return to the country of origin
USD 4,500
Mortal Remains: Transportation charges for Repatriation of the Mortal Remains to the country of origin
USD 2,000
PERSONAL ACCIDENT: Accidental death or permanent disability including loss of one or more limbs or loss of sight in one or both eyes. The limit of cover for children under 18 is USD 2,000
USD 5,000
Pioneer
Plan 1
Premium price per person:
Total for travellers:
Medical Expenses: Covers the cost of medical treatment arising from sudden and unforeseen illness or accident injury for both Inpatient and Outpatient. Fees for hospitalization, surgery, ambulance, medicine and tests with a maximum of 261 USD per day for hospital room and board (Pre-approval required for all inpatient treatments)
USD 50,000
Baggage and Personal Effects: Loss or damage directly resulting from accident, theft, burglary, robbery or mishandling by carriers to the Insured Person's baggage or personal items carried. The limit is USD 217 per item and USD 435 per pair or set. Loss of laptop is limited to USD 435
-
Baggage Delay: Emergency purchases of essential items of toiletries and clothing up to a maximum of USD 57 per article when the checked baggage is delayed for at least 6 hours from the time of arrival in the eligible countries within the zone of coverage
-
Loss of Travel Document: Cost of obtaining replacements of passport, air tickets; travel expenses and accommodation incurred to obtain such replacement arising from theft, burglary, robbery and accidental loss. Maximum limit per day for travel and accommodation expenses is USD130 for plan Adventurer and USD174 for plan Pioneer
-
Personal Money: Loss of Cash, bank notes and travelers checks arising from theft, burglary or robbery
-
Travel Delay Cash: If the Insured Person need not pay additional travelling cost in the event of travel delay, the Insured Person will be indemnified at 22 USD for each full 6 hours delay.
-
Curtailment of Trip or Cancellation Charges: Reimbursement of irrecoverable prepaid travel arrangement deposits or any increased cost of travel in the event of death, serious injury or illness of the Insured Person, immediate family members, close business partner or travel companion of the Insured Person; witness summons, jury service; natural disasters at the planned destination or complete destruction of the Insured Person's principal residence.
-
Personal Liability: Indemnity against legal Liability to a third party as a result of accidental injury or Loss or damage to property during the Period of Insurance. (This benefit does not apply to the use or hire of motorized vehicles)
-
Rental Car Excess Cover: Reimbursement of Excess which the Insured Person is liable to pay for accidental Loss or damage to a Rental car.
-
Emergency Evacuation to the nearest facility capable of providing adequate Medical Care
Unlimited
Repatriation to the country of origin when the Company and attending physician determine that it is necessary
Unlimited
Follow-up Care: Medical expenses reasonably incurred immediately following discharge from hospital within 90 days of return to home country
-
Hospital Cash Allowance: 40 USD for each complete day the Insured Person is hospitalized over 24 hours as a result of a covered disability
-
Additional travelling Costs of the Insured Person for returning to the country of origin and Additional Costs of Accommodation incurred by the Insured Person or an Insured immediate family member or traveling companion when such Costs arise from hospitalization due to a covered disability necessitating Medical treatment of the Insured Person
-
Family Member Visit: Travelling costs for 1 immediate family member to join the Insured Person who is confined in hospital for more than 5 days or is dead aboard
-
Return of Children: Reasonable additional accommodation and travelling expenses for unattended insured children (age below 16) return to the country of origin
-
Mortal Remains: Transportation charges for Repatriation of the Mortal Remains to the country of origin
USD 1,800
PERSONAL ACCIDENT: Accidental death or permanent disability including loss of one or more limbs or loss of sight in one or both eyes. The limit of cover for children under 18 is USD 2,000
USD 1,000
Plan 1
Plan 2
Premium price per person:
Total for travellers:
Medical Expenses: Covers the cost of medical treatment arising from sudden and unforeseen illness or accident injury for both Inpatient and Outpatient. Fees for hospitalization, surgery, ambulance, medicine and tests with a maximum of 261 USD per day for hospital room and board (Pre-approval required for all inpatient treatments)
USD 100,000
Baggage and Personal Effects: Loss or damage directly resulting from accident, theft, burglary, robbery or mishandling by carriers to the Insured Person's baggage or personal items carried. The limit is USD 217 per item and USD 435 per pair or set. Loss of laptop is limited to USD 435
USD 300
Baggage Delay: Emergency purchases of essential items of toiletries and clothing up to a maximum of USD 57 per article when the checked baggage is delayed for at least 6 hours from the time of arrival in the eligible countries within the zone of coverage
USD 100
Loss of Travel Document: Cost of obtaining replacements of passport, air tickets; travel expenses and accommodation incurred to obtain such replacement arising from theft, burglary, robbery and accidental loss. Maximum limit per day for travel and accommodation expenses is USD130 for plan Adventurer and USD174 for plan Pioneer
USD 300
Personal Money: Loss of Cash, bank notes and travelers checks arising from theft, burglary or robbery
USD 100
Travel Delay Cash: If the Insured Person need not pay additional travelling cost in the event of travel delay, the Insured Person will be indemnified at 22 USD for each full 6 hours delay.
-
Curtailment of Trip or Cancellation Charges: Reimbursement of irrecoverable prepaid travel arrangement deposits or any increased cost of travel in the event of death, serious injury or illness of the Insured Person, immediate family members, close business partner or travel companion of the Insured Person; witness summons, jury service; natural disasters at the planned destination or complete destruction of the Insured Person's principal residence.
-
Personal Liability: Indemnity against legal Liability to a third party as a result of accidental injury or Loss or damage to property during the Period of Insurance. (This benefit does not apply to the use or hire of motorized vehicles)
USD 1,000
Rental Car Excess Cover: Reimbursement of Excess which the Insured Person is liable to pay for accidental Loss or damage to a Rental car.
-
Emergency Evacuation to the nearest facility capable of providing adequate Medical Care
Unlimited
Repatriation to the country of origin when the Company and attending physician determine that it is necessary
Unlimited
Follow-up Care: Medical expenses reasonably incurred immediately following discharge from hospital within 90 days of return to home country
USD 3,000
Hospital Cash Allowance: 40 USD for each complete day the Insured Person is hospitalized over 24 hours as a result of a covered disability
-
Additional travelling Costs of the Insured Person for returning to the country of origin and Additional Costs of Accommodation incurred by the Insured Person or an Insured immediate family member or traveling companion when such Costs arise from hospitalization due to a covered disability necessitating Medical treatment of the Insured Person
USD 500
Family Member Visit: Travelling costs for 1 immediate family member to join the Insured Person who is confined in hospital for more than 5 days or is dead aboard
USD 500
Return of Children: Reasonable additional accommodation and travelling expenses for unattended insured children (age below 16) return to the country of origin
USD 500
Mortal Remains: Transportation charges for Repatriation of the Mortal Remains to the country of origin
USD 1,800
PERSONAL ACCIDENT: Accidental death or permanent disability including loss of one or more limbs or loss of sight in one or both eyes. The limit of cover for children under 18 is USD 2,000
USD 2,000
Plan 2
Plan 3
Premium price per person:
Total for travellers:
Medical Expenses: Covers the cost of medical treatment arising from sudden and unforeseen illness or accident injury for both Inpatient and Outpatient. Fees for hospitalization, surgery, ambulance, medicine and tests with a maximum of 261 USD per day for hospital room and board (Pre-approval required for all inpatient treatments)
USD 200,000
Baggage and Personal Effects: Loss or damage directly resulting from accident, theft, burglary, robbery or mishandling by carriers to the Insured Person's baggage or personal items carried. The limit is USD 217 per item and USD 435 per pair or set. Loss of laptop is limited to USD 435
USD 700
Baggage Delay: Emergency purchases of essential items of toiletries and clothing up to a maximum of USD 57 per article when the checked baggage is delayed for at least 6 hours from the time of arrival in the eligible countries within the zone of coverage
USD 300
Loss of Travel Document: Cost of obtaining replacements of passport, air tickets; travel expenses and accommodation incurred to obtain such replacement arising from theft, burglary, robbery and accidental loss. Maximum limit per day for travel and accommodation expenses is USD130 for plan Adventurer and USD174 for plan Pioneer
USD 500
Personal Money: Loss of Cash, bank notes and travelers checks arising from theft, burglary or robbery
USD 200
Travel Delay Cash: If the Insured Person need not pay additional travelling cost in the event of travel delay, the Insured Person will be indemnified at 22 USD for each full 6 hours delay.
USD 100
Curtailment of Trip or Cancellation Charges: Reimbursement of irrecoverable prepaid travel arrangement deposits or any increased cost of travel in the event of death, serious injury or illness of the Insured Person, immediate family members, close business partner or travel companion of the Insured Person; witness summons, jury service; natural disasters at the planned destination or complete destruction of the Insured Person's principal residence.
USD 2,000
Personal Liability: Indemnity against legal Liability to a third party as a result of accidental injury or Loss or damage to property during the Period of Insurance. (This benefit does not apply to the use or hire of motorized vehicles)
USD 3,000
Rental Car Excess Cover: Reimbursement of Excess which the Insured Person is liable to pay for accidental Loss or damage to a Rental car.
USD 250
Emergency Evacuation to the nearest facility capable of providing adequate Medical Care
Unlimited
Repatriation to the country of origin when the Company and attending physician determine that it is necessary
Unlimited
Follow-up Care: Medical expenses reasonably incurred immediately following discharge from hospital within 90 days of return to home country
USD 5,000
Hospital Cash Allowance: 40 USD for each complete day the Insured Person is hospitalized over 24 hours as a result of a covered disability
USD 600
Additional travelling Costs of the Insured Person for returning to the country of origin and Additional Costs of Accommodation incurred by the Insured Person or an Insured immediate family member or traveling companion when such Costs arise from hospitalization due to a covered disability necessitating Medical treatment of the Insured Person
USD 800
Family Member Visit: Travelling costs for 1 immediate family member to join the Insured Person who is confined in hospital for more than 5 days or is dead aboard
USD 800
Return of Children: Reasonable additional accommodation and travelling expenses for unattended insured children (age below 16) return to the country of origin
USD 800
Mortal Remains: Transportation charges for Repatriation of the Mortal Remains to the country of origin
USD 1,800
PERSONAL ACCIDENT: Accidental death or permanent disability including loss of one or more limbs or loss of sight in one or both eyes. The limit of cover for children under 18 is USD 2,000
USD 3,000
Plan 3

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Insured No.1

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Applicants must be aged from 4 weeks to 75 years old.


Insurance information

Insurance Plan:

Travel Start Date:

Travel End Date:

The period of coverage:

Price per Person:

Total Price:

Zone of Coverage:

Departure Country:

Destination Country (multi-select):

Country of Residence:

Emergency Contact Name:

Emergency Contact Phone:

Emergency Contact Name No.2:

Emergency Contact Phone No.2:

Emergency Contact Name No.3:

Emergency Contact Phone No.3:

Insured No. 1

Name:

Passport number:

Tel.:

Email (the policy will be sent to this email):

Gender:

Nationality:

Date of Birth:

Beneficiary:

Beneficiary’s full name:

Relationship with beneficiary:

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Download Policy Wording

Terms and Conditions:

The Table of Benefits is only a summary of benefits and does not include full terms, conditions and exclusions. Sub-limits may also apply. Please read the Policy Wording before buying a travel insurance policy to ensure the policy suits your needs. The policy must be bought before your trip starts. Events that were anticipated at the point of purchase will not be covered.

1. The earliest policy start date shall be the purchase date, not before.

2. The maximum period of insurance for this Policy shall be 180 consecutive calendar days.

3. Applicants must be aged from 4 weeks to 75 years old.

4. Children under the age of 7 years old must be accompanied by an adult who is also insured under the same Policy.

5. The sum insured for Personal Accident for children under 18 years old shall not exceed USD 1,000.

6. Policy holders shall submit claims within 6 months after occurred date of the claims.

7. There is no direct billing for medical expenses unless the expenses exceed USD 1,000 and that the arrangement is coordinated by the Insurer or its designated assistance company.

8. This policy does not cover preexisting conditions, general exclusions nor medical expenses exclusions as stated in the Policy Wording.

9. The zone of coverage refers to the countries eligible for coverage as stated in the Certificate of Insurance. You will be covered during your insurance policy period for regional or multiple trips within countries included in the zone of coverage.

10. This Policy is only valid for leisure travel or business travel (limited to administrative and non manual works only) and NOT cover for travel to any of the countries within the zone of coverage to seek for medical treatment.

11. In case the Insured’s country of origin is one country within eligible zone of coverage, the Policy does NOT cover for any losses or expenses arising from the country of origin or country of residence of the Insured.

12. In case the Insured would like to purchase another policy after first policy expires, there shall be no gap in coverage and total duration of coverage of all policies combined shall not exceed 180 days.

13. Policy holders reaching 76 years old during the policy are not eligible to purchase a new policy.

14. Any event or condition that occurred before the new policy start date is considered pre-existing and the Insured is not able to claim for any of these conditions under the new policy. Should the Insured be actively treated or under the supervision of a Physician or Surgeon, the Insured is not eligible to purchase another policy.

15. Claims arising from services and treatments at (KUTA Emergency Clinic on Jl. Raya Kuta Mong II Desa Kab., Kuta, Lombok Tengah, Indonesia) will not be covered under this policy.