เปิดทำการกี่โมง?

จันทร์ 09:00 - 18:00 อังคาร 09:00 - 18:00 พุธ 09:00 - 18:00 พฤหัสบดี 09:00 - 18:00 ศุกร์ 09:00 - 18:00

LUMA Insurance

Brilliantly simple health insurance solutions for discerning global residents. Enjoy brighter, and be

12/08/2026

Myth: "If I get really sick abroad, I'll just fly home and deal with it there."
Truth: some emergencies need treatment within hours, not after a 12-hour flight. And here's the part nobody mentions: if you're visibly unwell, the airline can refuse to board you. Fit-to-fly rules are real, and they don't care about your plans.

The right move is getting treated properly where you are. That's what good travel insurance is for.

11/08/2026

A widely held belief, often repeated to get us reaching for a hat, but your head is not a special exit for body heat. You lose warmth through any uncovered skin, so your hands, neck and feet matter just as much.

The reason the myth stuck is simple. When you are bundled up but bareheaded, your head is often the only part left exposed, so that is where you feel the cold escaping.

When temperatures drop, the smart approach is to cover up evenly rather than focusing on one area. Layers, gloves and a scarf will keep you far more comfortable than a hat alone, and staying warm helps your body conserve energy in cold weather.

10/08/2026

Moving to Thailand soon?
When you arrange your cover makes more difference than most people expect.
Naly explains the timing in the video.
Planning your move now? We can help you get everything in place before you arrive.

07/08/2026

Bali just got easier to reach 🌴

Since last month, Indonesia opened visa-free entry to six more countries: Türkiye, Brazil, Peru, Kazakhstan, Belarus, and Macau. No application, no fee, no queue at the counter. You arrive, you go.

One tip before you book: Bali is having a record summer. Skip the Seminyak crowds for the quiet north around Lovina, or hop to Nusa Penida and the Gilis. Same easy entry, far fewer people.

Sorting your travel cover is just as quick. Quote and buy online in minutes at lumatravel .com

06/08/2026

That heart rate spike after a rough night? Not a medical emergency just yet.

A loose strap, dehydration, or a cold can all throw your numbers off.

The trick is to follow the trend over weeks, not panic over a single reading. Dr. Shun from our medical team breaks down how to read the data from your wearable device wisely, and when a number is actually worth a doctor's visit.

Read the full article: https://bit.ly/4pSMT48

05/08/2026

Myth: "If something happens to me abroad, my embassy will pay my hospital bill."
Truth: embassies can contact your family or replace a lost passport. What they don't do is pay your medical bills. Not even a little. That part is always on you, or on your insurance.

It's one of the most common assumptions travelers make, and nobody finds out until the worst possible moment.
Travel with a plan that does pay the hospital: LUMA.

04/08/2026

🌥️Cloudy skies can be deceiving. Most of the sun's UV rays pass straight through cloud cover, which means your skin is still exposed even when the day feels cool and overcast.

This is exactly how so many people end up burnt after a grey day outdoors, whether at the beach, on the course, or simply running errands. UV exposure also adds up over time and is one of the biggest contributors to premature skin ageing, so protection is a habit worth keeping.

Make sunscreen part of your daily routine whatever the forecast, and reapply if you are outside for long stretches. You generally do not need sunscreen when staying indoors away from windows.

However, UVA can pass through glass, so sunscreen is sensible if you spend long periods near sunny windows, drive frequently, or are prone to pigmentation or sun sensitivity. If a burn blisters or does not settle, please speak with your doctor.

03/08/2026

Need health insurance for your Thai visa?
Different visa types carry different requirements, so the plan you need depends on the visa you're on. Naly covers what to look out for. Not sure what yours calls for?
Talk to us and we'll find a plan that fits.

31/07/2026

Your travel buddy is in a hospital bed abroad. You're the healthy one. Now what?

Nobody prepares for this version of the trip. A few things that help:
1. Have their insurance details in your phone, not just theirs. The assistance number too.
2. Call the insurer's assistance line early. They talk to the hospital, arrange payment guarantees, and can even keep the family informed, so you don't carry it alone.
3. Know their basics: allergies, medications, emergency contact back home.

Being the healthy one is a job. Make it an easier one.

30/07/2026

Things that silently wreck your gut health:

→ Eating too fast
→ Not drinking enough water
→ Chronic stress
→ Skipping sleep
→ Overusing antibiotics
→ A diet low in fiber
→ Not having a variety of food

The good news? Every single one of these is fixable.

Which one are you working on? Drop it in the comments 👇