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Why are expats opting for Luma and AXA for insurance over cheaper options?

Thai insurance options Luma insurance AXA insurance Thai General Insurance Association (TGIA)expat insurance medical insurance in Thailand insurance comparisons coverage differences COVID-19 insurance

May 25, 2021

3 years ago

Anthony ********

ORIGINAL POSTER

About to book insurance! Thai general insurance association quotes 12150 baht.  Luma and axa  are far dearer for 6 months. Why do I see members booking Luma and axa? Is there a reason for this?

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TLDR : Answer Summary

The post discusses the differing costs of insurance plans in Thailand, specifically comparing quotes from the Thai General Insurance Association (TGIA) at 12,150 baht to more expensive options like Luma and AXA. Comments suggest that while Luma and AXA are pricier, they provide more comprehensive travel medical coverage, which is a crucial consideration for expats. Additionally, there is mention of varying customer service experiences with Luma, and a recommendation to consult an insurance agent for better guidance.

Pui *****

The TGIA insurance is for Covid only. The Luma and AXA plans are full travel medical insurance.

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Anthony ********

ORIGINAL POSTER

thank you a valid answer to my question

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Anthony ********

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Kathy ***********************

You need to compare the coverage by different companies and see which plan gives you the best value for money.

I would highly recommend you speak to Darren from

*******************

before making a final decision. He is an agent who has years of expertise and experience in the business. So he can give you a legit advice.

Speaking about Luma, my former boss purchased the insurance plan through Seek2insure and was happy with their after-sale service.

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Kay ***********

Luma it’s very easy to Pay. 2 Minutes through online system.

But after paid , it’s very HARD to contact customer service

This is my experience

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Lisa ********************

@Kay **********

that's why I used a broker.

****

contact.

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Lisa ********************

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Shaun *******

My Luma plan 3 was around 40,000 baht for the year

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Cameron ********

Have you ever heard of the phrase you get what you pay for?

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Cameron ********

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