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LUMA Insurance

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

15/09/2026

Soaked after a session? That is not a measure of fat burned.
Sweating is just how your body cools down, so a hot, humid room will have you dripping after very little work. Fat burn comes from the energy you actually use, which means how hard you work and how long you keep going. The kilos that disappear on the scale straight after a sweaty workout are water, and they come back as soon as you rehydrate. Keep your fluids up, and talk to a trainer or your doctor about what a good session looks like for you.

11/09/2026

When you see "elective treatment" in a health insurance policy, it can sound like something you choose to have.

But elective is a medical term, not an insurance one; so what does it actually mean, and why can even serious operations count as elective treatment?

👇 Looking for health insurance? Contact us and our team can help you find the plan that suits you best

10/09/2026

Most expat health plans cover medical evacuation and repatriation. But not many people know what it means until they need it.
As part of our Health Insurance Explained series, let’s break down what these benefits actually cover.

Medical evacuation moves you to a hospital that can treat you when the ones near you can't. Repatriation brings you home once you're discharged.

You don't have to organise any of it. One call and your insurer's assistance company takes care of the arrangements.

Not sure what your plan covers? Send us a message.

10/09/2026

Same doctor. Same procedure. Different hospital. Different price.

When you have options, choosing where to receive treatment can help you use your health insurance more strategically, making sure your cover is there when it matters most

Check your choices before booking, and make your cover work smarter for you.

Read the full article to learn more on how to stop overpaying at the hospital:
https://hubs.la/Q04vv2cq0

09/09/2026

The best day to buy travel insurance is the day you book the flight. ✈️

Not because anything is going to happen in between, but because that is when the cover has the most to work with 🛡️
→ Dates locked? You can buy straight away, even for a trip six months out ✅
→ Plans change before you go? Cancel and we refund you in full ✅
→ Left it late? You can still buy right up to the boarding gate ✅

Cover runs from the moment your trip starts, so waiting buys you nothing and can cost you the window.

Buy online at lumatravel .com

08/09/2026

Chocolate itself does not directly cause acne. However, the added sugar and dairy found in milk and white chocolate can trigger hormonal spikes and inflammation in the body.

For people who are already acne-prone, these ingredients may increase oil, or sebum, production and worsen breakouts.

Beyond that, acne is mainly driven by hormones, genetics and how your skin behaves, rather than by any single food. This is why it is so common during the teenage years and other times of hormonal change.

A balanced diet and a consistent skincare routine tend to make the biggest difference. If breakouts are persistent or affecting your confidence, a doctor or dermatologist can help you find the right approach.

08/09/2026

Need cover for your family?

Hi5 and PRIME offer up to 20% family discount.

Message us for a personalised family quote.

04/09/2026

Most people skip the fine print when buying travel insurance 🔎.
Here's what you should NOT miss ❌, and how LUMA compares 💙:
✅ Waiting periods: none, covered from the moment you step out of the airport
✅ Scooter rides: covered
✅ "Patched up and sent home": we cover full treatment, not just enough to ship you back
✅ Coverage that quietly ends if you skip a repatriation call: nothing forced, we lay out your options and it's your call

➡️ Tell us your plans, our team can walk you through what's covered.

Subject to your policy's terms and conditions. Check with us if you're unsure.

03/09/2026

Looking for health cover for your family?

LUMA helps you compare options and find a plan that fits your family’s needs and budget.
From hospital cover and OPD to vaccinations, dental, health check-ups, and maternity benefits, LUMA helps you find cover for every stage of family life.

Keep everything easier to manage with one plan, simpler admin, and the LUMA app to view policies in one place.

Message us today to get a personalised family health insurance quote.

02/09/2026

Myth: "I ticked the insurance box at checkout, so I'm covered."
Truth: that $3 add-on from your booking site is often built around flight issues, not your health. Medical cover can be minimal, and the exclusions list is longer than the policy. Read what it actually pays for a hospital stay.

Not all cover is the same cover. Two minutes of reading beats two weeks of regret.
Get your quote on lumatravel .com