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LUMA Insurance

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

27/02/2026

“I don’t need travel insurance. The airline will pay if my bag goes missing.”
In theory, yes (although not always). In practice, it can take forever.

You might be stuck filling out forms, waiting on hold, and following up for weeks, while you are overseas without your essentials.
And you still have to buy what you need in the meantime.

Skip the stress. Travel insurance can reimburse essential purchases while the airline sorts things out.
Travel smart. Travel protected.

26/02/2026

Most insurers give you a hotline.

LUMA gives you Medipro — a medical team you can access when you need help navigating care abroad.

Not drama. Not guesswork. Just support when timing is bad.

25/02/2026

Most people think antibiotics fix infections.

What most people don’t realize is this:

using antibiotics over and over can quietly set up the next infection — especially in children.

Dr. Shun Pyae Min from LUMA’s medical team sees this pattern all the time.

A child gets sick.

They’re treated.

Parents follow the doctor’s instructions.

And a few weeks later… the child is sick again.

This isn’t just bad luck.

Here’s what usually isn’t explained.

Antibiotics kill bad bacteria.

But they also kill the good bacteria in the gut — the ones that help regulate immunity and protect against new infections.

When antibiotics are used repeatedly, those good bacteria don’t get time to recover.

Natural defenses weaken.

Children become more vulnerable.

Food poisoning. Respiratory infections. Recurrent illness.

So what happens next?

Another infection.

Another antibiotic.

Another hit to the gut.

And the cycle continues.

Over time, some children end up back in the hospital again and again. Each round of antibiotics makes the next infection more likely — and often harder to treat.

To be clear: antibiotics save lives.

This isn’t an anti-antibiotic message.

But “used properly” has to mean something.

The right drug.

For the right infection.

For the right length of time.

Not “just in case.”

At LUMA, our medical team doesn’t just process claims. When something looks off, we ask questions. Was a stronger antibiotic really needed? Were first-line options tried? Does this follow clinical guidelines?

We do this not to deny care, but to protect patients from unnecessary escalation that can make future infections harder to treat.

Because when children get stuck in this cycle, the cost isn’t just medical.

It’s missed school.

Worried parents.

Repeated hospital visits.

And weaker health over time.

If you’re a parent: antibiotics work when they’re truly needed. But asking questions — and accepting restraint when it’s appropriate — protects your child in the long run.

This is why medical review matters.

Read Dr. Shun’s full perspective:

https://bit.ly/4kwEosT

24/02/2026

When a potential cancer diagnosis arrives, you don't have to face it alone.

One of our members faced this situation. Within hours, we activated our MTB (Multidisciplinary Tumor Board) process, bringing together top specialists to review the case.

The outcome? Benign findings - no unnecessary treatment, just clarity and peace of mind.

Through Medipro, our members get seamless coordination with leading hospitals and specialists when they need it most. 💙

This is care that puts your health first.

23/02/2026

People will insure a phone in seconds… then gamble on medical costs abroad.
That logic is backwards.
Travel insurance is for the expense you can’t predict and don’t want to fund with your savings.

Travel smart, travel protected. Get you quote now at https://bit.ly/4qVt7F1

20/02/2026

AI can help plan your perfect trip.
Best flights? Check ✔️
Dream itinerary? Done ✔️
Hidden gems? Found ✔️
But it can’t protect your savings when you get sick, have an accident, or need to cancel.

That's what travel insurance is for.
LUMA covers what AI can't predict — medical bills, trip cancellations & accidents abroad.
Compare plans at https://bit.ly/4qaaEmR ✈

19/02/2026

Smiles all around when we read feedback like this.

Thanks for being part of the LUMA Family!

18/02/2026

Antibiotic resistance doesn’t stay with the person who took the medication.
It spreads.

Dr. Shun Pyae Min, part of LUMA’s medical team, explains what many people don’t realize: when antibiotics are used unnecessarily—most commonly for viral infections—they don’t make the illness resolve any faster. The virus still runs its course. But something else happens quietly in the background.

Antibiotics disrupt normal bacteria and create selective pressure. Resistant strains survive. They multiply. And those bacteria don’t stop with one person.
They spread to family members. To colleagues. To people who share the same spaces—homes, workplaces, communities.

The individual who misused antibiotics may recover without consequence. But someone else may not.

Over time, entire communities see resistance patterns shift. First-line antibiotics fail more often. Infections take longer to treat. Care becomes more complex, more expensive, and riskier. What used to be routine—minor infections, simple procedures—carries higher stakes.
This is why antibiotic stewardship isn’t just about personal health. It’s a public health issue—and a workforce issue.

At LUMA, we review antibiotic prescriptions not just to manage claims, but to identify broader patterns. When we see inappropriate escalation repeated across claims in the same region or population, it signals something larger: prescribing habits, patient expectations, and gaps in health literacy.

Our medical team works to ensure treatment decisions are evidence-based. For the individual patient’s benefit, yes—but also for the long-term health of the communities and workplaces they belong to.

The most responsible thing any of us can do is simple: use antibiotics only when they’re truly needed. Ask the right questions. Accept that sometimes, the best treatment is rest and time.
Because the impact of unnecessary antibiotics doesn’t end when you feel better.

It shows up in the people around you—often long after the decision was made.

Read Dr. Shun's full perspective: https://bit.ly/4kuvgVF

17/02/2026

新年快乐 🏮
It’s the Year of the Horse!

Fast luck, bold moves… and maybe a little horsepower on your next trip 🐎
Thinking of riding into the new year?
Travel smart. Ride wisely. Get covered before you go. ✈️🐎
Just remember: some travel insurance plans don’t cover horseback riding.
So before you saddle up, check your policy details — terms apply, obviously 😉

16/02/2026

Managing multiple health insurance policies for your family is complicated.

Different providers, different rules, different renewal dates, and a different process every time you need help.

With LUMA, it's simple. One plan to cover your family - consistent terms, one renewal date, and a seamless experience whenever you need us.

Plus, you can enjoy generous savings with one of the best family discounts available: up to 20% off for the whole family

13/02/2026

Travel insurance isn't just for holidays.
Whether you're traveling for business or leisure, mishaps can happen.
Travel smart. Travel protected - https://bit.ly/4a3pW73

12/02/2026

💸 If your “one night” comes with a wristband and an IV drip… you’re definitely in the wrong place.

One night in a private hospital in Thailand can easily hit 40,000 THB.

Stay a few extra nights, add scans, tests, or even surgery, and suddenly that “one night” turns into a bill that could take months to recover from.

LUMA health insurance helps with those hospital costs, so a bad night doesn't become a long-term financial burden.

👉 Get in touch — we'll help you find the right plan..