This page reproduces the insurer's own published table of benefits so you can read the insurer's exact wording beside the comparison you received.
Table of benefits as published by LUMA
This is LUMA's own published table of benefits, reproduced word for word in the insurer's own order and grouping. BrokerFish's comparison uses a standardised vocabulary so plans can be compared like for like; this page is the insurer's exact wording.
Source: Luma — Asia Care Plus International brochure, 2024 edition — showing every published column.
From the insurer's published documents
| Asia Care Plus Benefits | |||||
|---|---|---|---|---|---|
| Benefit | Plan 1 Essential care | Plan 2 Balance care | Plan 3 Superior care | Plan 4 Premium care | Plan 5 Platinum care |
| Annual Limit per Year & per person | $1,000,000 | $1,000,000 | $1,000,000 | $1,600,000 | $1,600,000 |
| Inpatient Benefits | |||||
| Benefit | Plan 1 Essential care | Plan 2 Balance care | Plan 3 Superior care | Plan 4 Premium care | Plan 5 Platinum care |
| Staying in hospital overnight or as a day case | Private room up to $170 per day | Private room up to $170 per day | Private room up to $170 per day | Paid in full (standard private room) | Paid in full (standard private room) |
| Parent accommodation with an insured child under 18 years old | $40 per day max. 30 days | $40 per day max. 30 days | $40 per day max. 30 days | $40 per day max. 30 days | $40 per day max. 30 days |
| Day care treatment** Day care treatment or Outpatient surgery: treatment cost for a surgical procedure performed in a surgery, hospital, day care facility or outpatient department, as part of an hospitalisation of less than 24 hours | Paid in full | Paid in full | Paid in full | Paid in full | Paid in full |
| Nursing Care | Paid in full | Paid in full | Paid in full | Paid in full | Paid in full |
| Operating room, medicine & surgical dressing | Paid in full | Paid in full | Paid in full | Paid in full | Paid in full |
| Prescription drugs and materials | Paid in full | Paid in full | Paid in full | Paid in full | Paid in full |
| MRI, PET & CT-PET Scans | Paid in full | Paid in full | Paid in full | Paid in full | Paid in full |
| Intensive care, coronary care, dependency unit | Paid in full | Paid in full | Paid in full | Paid in full | Paid in full |
| Surgical fees including anesthesia | Paid in full | Paid in full | Paid in full | Paid in full | Paid in full |
| Reconstructive surgery following accident/ eligible medical condition | Paid in full | Paid in full | Paid in full | Paid in full | Paid in full |
| Specialist’s consultations fees | Paid in full | Paid in full | Paid in full | Paid in full | Paid in full |
| Diagnostic Test - Pathology Xrays | Paid in full | Paid in full | Paid in full | Paid in full | Paid in full |
| Organ and bone marrow transplant services | Paid in full | Paid in full | Paid in full | Paid in full | Paid in full |
| Hospice and palliative care | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 |
| Psychiatric treatmentWaiting period 10 monthsWAITING PERIODS APPLIES. The benefits will be available after the end of the waiting period. | Paid in full for 20 days | Paid in full for 20 days | Paid in full for 20 days | Paid in full for 20 days | Paid in full for 20 days |
| Prosthetic implants & appliances | Paid in full | Paid in full | Paid in full | Paid in full | Paid in full |
| Rehabilitation | Paid in full for 30 days per medical condition | Paid in full for 30 days per medical condition | Paid in full for 30 days per medical condition | Paid in full for 30 days per medical condition | Paid in full for 30 days per medical condition |
| Nursing at home or in a convalescent home | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 |
| Emergency dental treatment following an accident | Paid in full | Paid in full | Paid in full | Paid in full | Paid in full |
| Local road ambulance service | Paid in full | Paid in full | Paid in full | Paid in full | Paid in full |
| Pre-operative consultation & diagnostic procedure**** Medical practitioners fees, specialist fees, diagnostic test & prescribed drugs & dressing: pre-operative consultation & diagnostic procedure within 30 or 60 days from the admission & post-hospitalisation | $2,000 per year, within 30 days from the admission & post hospitalization | $2,000 per year, within 30 days from the admission & post hospitalization | $2,000 per year, within 30 days from the admission & post hospitalization | Paid in full within 60 days from the admission & post hospitalization | Paid in full within 60 days from the admission & post hospitalization |
| Cancer treatment | |||||
| Benefit | Plan 1 Essential care | Plan 2 Balance care | Plan 3 Superior care | Plan 4 Premium care | Plan 5 Platinum care |
| Both inpatient and outpatient | Paid in full | Paid in full | Paid in full | Paid in full | Paid in full |
| Treatment for HIV and Aids | |||||
| Benefit | Plan 1 Essential care | Plan 2 Balance care | Plan 3 Superior care | Plan 4 Premium care | Plan 5 Platinum care |
| Both inpatient and outpatient. Maximum coverage: 5 years.Waiting period 24 monthsWAITING PERIODS APPLIES. The benefits will be available after the end of the waiting period. | $15,000 | $15,000 | $15,000 | $15,000 | $15,000 |
| Congenital anomalies | |||||
| Benefit | Plan 1 Essential care | Plan 2 Balance care | Plan 3 Superior care | Plan 4 Premium care | Plan 5 Platinum care |
| Treatment for congenital anomalies which manifests themselves after the day of entryWaiting period 45 days for children aged 0 to 6 years oldWAITING PERIODS APPLIES. The benefits will be available after the end of the waiting period. | $10,000 | $10,000 | $10,000 | $20,000 | $20,000 |
| Personal Accident | |||||
| Benefit | Plan 1 Essential care | Plan 2 Balance care | Plan 3 Superior care | Plan 4 Premium care | Plan 5 Platinum care |
| Loss of Life, Dismemberment, Loss of Sight, Hearing, Speech or Permanent Disability including driving or riding as a passenger on motorcycles | $20,000 | $20,000 | $20,000 | $50,000 | $50,000 |
| Outpatient Benefits | |||||
| Benefit | Plan 1 Essential care | Plan 2 Balance care | Plan 3 Superior care | Plan 4 Premium care | Plan 5 Platinum care |
| Annual limit per person | Not covered | $6,000 | $6,000 | $6,000 | Paid in full |
| General Practitioner fees | Not covered | Paid in full | Paid in full | Paid in full | Paid in full |
| Specialist fees | Not covered | $250 per visit | $250 per visit | $250 per visit | $250 per visit |
| Prescribed Medicine****** By a recognized medical practitioner | Not covered | Paid in full | Paid in full | Paid in full | Paid in full |
| Minor surgery | Not covered | Paid in full | Paid in full | Paid in full | Paid in full |
| Lab test, Xrays, Diagnostic & Pathology test | Not covered | Paid in full | Paid in full | Paid in full | Paid in full |
| Vaccinations | Not covered | $200 | $200 | $200 | Up to $800 |
| Chiropractic, osteopathy, homeopathy, acupuncture treatment, traditional Chinese medicine****** By a recognized medical practitioner | Not covered | $250 / 15 sessions per year | $250 / 15 sessions per year | $250 / 15 sessions per year | Up to $300 (20 sessions per year) |
| Prescribed physiotherapy****** By a recognized medical practitioner | Not covered | 10 visits / $50 per session | 10 visits / $50 per session | 10 visits / $50 per session | Up to $1,000 / year |
| Prescribed medical aids (hearing aids & orthopedic appliances) | Not covered | $250 per year | $250 per year | $250 per year | Up to $250 per year |
| Routine health checkup including screening for early detection (Full health screen, Mammogram, Papanicolaou (PAP) test, Prostate Cancer Screen) | Not covered | $200 per year | $200 per year | $200 per year | Up to $500 per year |
| Dental Treatment | |||||
| Benefit | Plan 1 Essential care | Plan 2 Balance care | Plan 3 Superior care | Plan 4 Premium care | Plan 5 Platinum care |
| Routine treatments (check up, basic) | Not covered | Not covered | $1,000 per year | $2,500 per year | $2,500 per year |
| Major restorative treatments including orthodontic, prostheses bridges, implantsWaiting period 9 monthsWAITING PERIODS APPLIES. The benefits will be available after the end of the waiting period. | |||||
| Orthodontic for children less than 18 years oldWaiting period 24 monthsWAITING PERIODS APPLIES. The benefits will be available after the end of the waiting period. | |||||
| Maternity and Childbirth Benefits | |||||
| Benefit | Plan 1 Essential care | Plan 2 Balance care | Plan 3 Superior care | Plan 4 Premium care | Plan 5 Platinum care |
| Normal pregnancy and delivery costsWaiting period 10 monthsWAITING PERIODS APPLIES. The benefits will be available after the end of the waiting period. | Not covered | Not covered | $2,500 | $4,000 | $8,000 |
| Complications of pregnancy and deliveryWaiting period 10 monthsWAITING PERIODS APPLIES. The benefits will be available after the end of the waiting period. | |||||
| Newborn care within 25 days after birthWaiting period 10 monthsWAITING PERIODS APPLIES. The benefits will be available after the end of the waiting period. | |||||
| Vision care | |||||
| Benefit | Plan 1 Essential care | Plan 2 Balance care | Plan 3 Superior care | Plan 4 Premium care | Plan 5 Platinum care |
| Including glasses, frames, contact lenses, laser treatmentWaiting period 9 monthsWAITING PERIODS APPLIES. The benefits will be available after the end of the waiting period. | Not covered | Not covered | $200 per year | $500 per year | $500 per year |
| Medical Evacuation | |||||
| Benefit | Plan 1 Essential care | Plan 2 Balance care | Plan 3 Superior care | Plan 4 Premium care | Plan 5 Platinum care |
| Medical Evacuation | Included | Included | Included | Included | Included |
| International Emergency Medical Assistance | |||||
| This benefit covers the following services: | |||||
| Benefit | |||||
| Evacuation where the local medical facilities are not adequate according to our appointed doctor | Paid in Full up to annual policy limit | ||||
| Evacuation will be to the nearest medical facility where treatment is adequate | Paid in Full up to annual policy limit | ||||
| Transportation for returning to the principal country of residence following the evacuation | Paid in Full up to annual policy limit | ||||
| Cost of one accompanying person above 18 years old while the covered person is being evacuated | Paid in Full up to annual policy limit | ||||
| Bringing the body or ashes back to a port or airport in the principal country of residence or home country if the covered person dies abroad as a result of an eligible medical condition | Paid in Full up to annual policy limit | ||||