I'm considering signing up for LUMA Asia Care Plus. Everything looks good, but it seems they're relatively new so I can't find too much info. Does anybody use them, and if so have they been good about covering what they're supposed to?

I initially subscribed to this very policy in 2016 with MSH International who changed their name to Luma the following year. Unfortunately, because of drastically escalating premiums and the need for a policy which complies with the Immigration Bureau’s mandatory health insurance requirement introduced last November for retirees with original OA visas (I am aged 70), I have very recently had to give it up.

 

I only claimed on this policy as a hospital in-patient once during my 4 years involvement with it. While I found Luma’s pre-authorisation procedures to be rather tedious on that particular occasion, once I’d jumped through their hoops and provided all the info they needed, they settled up directly with the hospital with no further issues.