Cover up to 100,000 USD
Multi-Trip and Multi-Destination Coverage
Covers Covid-19
From 4 weeks to 75 years old
For all nationalities
Any trekking or mountain climbing activities in Nepal are excluded.
The maximum Period of Insurance for this Policy shall be 180 consecutive calendar days.
Applicants must be aged at least 4 weeks old and below 75 years old.
Children under the age of 7 years must be accompanied by an adult who is also insured under the same Policy.
This Policy is non-cancelable by the Company or by the Policyholder except in the circumstances of non receipt of premium by the Company and no refund of premium will be made once this Policy has been issued.
There is no direct billing in respect of medical expenses provided under this Policy unless the expenses are expected to exceed 1,000 USD (VND 24,000,000) and that the arrangement is coordinated by the Company or its designated assistance company.
This policy does not cover preexisting conditions, general exclusions nor medical expenses exclusions as stated in the Policy Wording.
The zone of coverage of LUMA Asia Pass 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.
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.
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 of the Insured.
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.
Policy holders reaching 76 years old during the policy are not eligible to purchase a new policy.
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.
