Navigation Menu
Use this menu to navigate through the main sections of the LUMA website.
If you are choosing between LUMA Travel and Tata AIG, you are comparing two very different approaches to travel insurance. One is a broad Indian insurer with strong brand recognition. The other is a global travel insurance provider built on the medical expertise of LUMA Health, founded in Bangkok in 2012. LUMA combines human-led support, an in-house medical team, and on-ground expertise to become a trusted choice for Indian travellers heading abroad.
Both can cover eligible claims. The difference is in flexibility and support. Tata AIG is built primarily for Indian residents travelling abroad, while LUMA supports international travellers across multiple departure countries and destinations. For Thailand and Vietnam, LUMA also has teams operating on the ground, with local hospital relationships and medical support already built into the travel experience.
Get to know LUMA
LUMA Travel Insurance is a global travel insurance provider, headquartered in France and built on the medical expertise of LUMA Health, founded in Bangkok in 2012. As LUMA Travel expands internationally, it is becoming a trusted choice for Indian travellers looking for more than standard travel insurance. LUMA has teams operating on the ground in Thailand and Vietnam, with offices in Bangkok and Ho Chi Minh City, along with regional support from Phnom Penh. LUMA also works with a strong hospital network across the region, so travellers are not relying only on a remote helpline when something goes wrong. We also have an in-house medical team called Medipro that provides real-time doctor guidance during emergencies abroad.
LUMA travel insurance is built around a straightforward idea: when something goes wrong on a trip, you should not have to figure it out alone. Medipro connects you to doctors who understand local hospitals, local treatment standards, and how to handle billing so you are not stuck paying upfront at a private hospital in an unfamiliar city.
LUMA covers international travellers on multi-trips up to 180 consecutive days and offers multilingual support across its offices. Purchase is fully online and takes under five minutes. Your certificate is instant.
LUMA Travel Insurance covers eligible medical expenses starting from $50,000, with some plans offering higher coverage limits, Medipro-guided hospital access and direct billing support at partner hospitals. Along with medical protection, LUMA includes cover for trip cancellation, trip interruption, baggage loss or delay, flight delays, missed connections, personal accident, and passport loss. Pre-existing conditions are not covered, which is a standard exclusion. Senior traveller coverage is available up to age 80.
The other option
Tata AIG General Insurance is an India-based general insurance company and a joint venture between the Tata Group and American International Group. It is a familiar insurance name for Indian travellers and may appear as an add-on option during flight or hotel bookings through platforms like MakeMyTrip.
Tata AIG travel insurance is quick to purchase and available in multiple plan variants. Its support model is largely built around policy servicing, helpline assistance, and reimbursement, except where cashless treatment is available through select partner hospitals. In many cases, travellers may need to pay the hospital first and file a claim later.
Tata AIG travel insurance covers eligible medical expenses up to $1,000,000 depending on the plan selected. It also includes cover for emergency evacuation, trip cancellation, trip interruption, baggage loss or delay, flight delays, missed connections, personal accident, and passport loss. Cashless hospitalization may be available at select network hospitals, while other situations may require travellers to pay upfront and file for reimbursement later. Pre-existing conditions are generally limited, with life-threatening situations covered up to $20,000 on select plans. Senior traveller plans are available up to age 99 on select plans.
Side by side
High Medical cover available up to $1,000,000.
Direct billing at partner hospitals means you are not paying upfront at a foreign hospital counter
On-ground offices in Asia give the support team actual local context
Motorbike accidents covered as standard, relevant for adventure travellers
Multilingual support, staff speak English and regional languages
Straightforward online purchase, instant certificate in under 5 minutes
Medical evacuation covered on every LUMA plan
Built on the medical expertise of LUMA Health, founded in Bangkok in 2012
On-ground offices across Asia, with local partner support available in other regions
Must be purchased before departure. Coverage cannot be bought once you have already left your home country
Pre-existing conditions not covered (industry-standard exclusion)
Medical cover available up to $1,000,000 on the Platinum plan
Familiar insurance brand for Indian travellers
Convenient to buy during MakeMyTrip or IRCTC bookings
Senior citizen plans available up to age 99 on select plans
Limited pre-existing condition support in life-threatening situations on select plans
Annual multi-trip plans available for frequent travellers
Destination zones include USA and Canada options
No in-house medical team for real-time guidance during emergencies abroad
Sub-limits apply for travellers aged 56 and above, which can reduce effective coverage
Cashless hospitalization is available only at select network hospitals
Support is primarily helpline-based, without on-ground destination teams
Customer complaints on Trustpilot and MouthShut frequently reference claim delays and customer service issues
Pricing
LUMA travel insurance pricing varies based on your departure country, destination, trip duration and age. The quote engine on LUMA’s website calculates the price automatically using these details.
LUMA is designed to offer practical, accessible coverage, with added value through services such as MediPro support, access to an international hospital network, and direct billing where available.
For the most accurate price, enter your trip dates, departure country, and destination into the quote engine. The available plan and final premium will be shown for comparison.
Tata AIG's pricing varies based on your age, destination zone,
trip duration, and plan variant. Entry-level plans are
accessible, with premiums increasing for higher sum insured
options and trips that include the USA and Canada.
One important note for older travellers: most standard plans
apply medical sub-limits for travellers aged 56 and above,
which can reduce the actual payout on a claim even on a
higher-premium plan. Always check the benefits table for
your age group before purchasing.
Real experiences
LUMA is consistently described by travellers as an insurer that shows up when something actually goes wrong. Not just at the purchase stage. During the emergency itself.
The feedback that stands out most is not about price or policy documents. It is about what happened in the hours that mattered: which hospital to go to, whether someone answered, and whether the bill was handled so the traveller could focus on getting better.
LUMA Travel combines international travel insurance with an in-house medical team, Medipro, and on-ground support across key Southeast Asian destinations. For travellers, the difference is having real people involved when the situation needs quick medical and practical decisions.
What started as fatigue and fever on a beach holiday turned out to be dengue. The traveller needed repeat clinic visits, blood tests to monitor platelet counts, and medication over several days. Medipro provided guidance throughout so the traveller knew when to seek further care rather than guessing. All consultations, diagnostics, and medication were covered in full.
A lingering cough became a hospital admission. Several days as an inpatient for bacterial pneumonia is not something that resolves with rest. LUMA arranged direct billing with the hospital so the traveller was not handed a five-figure bill to pay before
discharge. Medipro provided a second medical opinion to confirm the treatment plan was right.
As of June 2026, LUMA's Trustpilot profile shows a 4.3/5 rating, with travellers highlighting the support experience and ease of getting help during the trip.
Tata AIG is a familiar insurance name for Indian travellers, so feedback across review platforms is mixed. Positive reviews usually focus on the convenience of buying the policy, especially when it appears as an add-on during flight or hotel bookings. Some travellers also mention smooth reimbursement for simpler claims, such as baggage-related issues.
However, critical reviews often focus on the experience after something goes wrong abroad. Travellers mention delays in claim processing, difficulty reaching support, and frustration with customer service during or after the trip. For destinations like Thailand and Vietnam, this distinction matters because travellers may need timely medical guidance and practical support while they are still overseas, not only reimbursement after returning home.
Overall, Tata AIG can feel convenient at the purchase stage, but the support experience depends heavily on the claim type, hospital network, documentation, and response time.
Claim reimbursement delays: Some travellers report waiting a long time after submitting claim documents.
Difficulty reaching support during travel: Reviews mention trouble getting timely help through the helpline, especially in urgent situations abroad.
Limited on-ground assistance: Tata AIG's support and claims operations are India-based, so travellers mainly rely on phone or email while overseas.
Sub-limits reducing payouts: Some travellers, especially older travellers, may receive less than expected because of age-based limits or policy sub-limits.
Customer service quality: Multiple reviews describe support as slow, unclear, or inconsistent during claim-related guidance.
Heavy documentation requirements: Some travellers feel medical and reimbursement claims involve more paperwork than expected.
As of June 2026, Tata AIG's Trustpilot profile shows a 1.4/5 rating, with a noticeable share of 1-star feedback.
The verdict
You want medical guidance when symptoms are unclear, not just a claims reference number
Direct billing support matters to you, especially at partner hospitals where upfront payment may be avoided.
You travel to Asia frequently or are planning an upcoming trip there
You want on-ground offices with staff who know local hospitals and can coordinate directly
You plan to ride a scooter, dive, or indulge in covered adventure activities
You want fast, human-led support from people who actually respond
You are buying insurance as part of a MakeMyTrip or IRCTC booking and convenience is the priority
You need coverage for the USA or Canada specifically, and want a plan with very high medical limits
You are a senior traveller over 80, where Tata AIG's extended age eligibility on select plans is relevant
You need coverage for pre-existing conditions in life-threatening situations, which Tata AIG includes on select plans
You travel frequently and want an annual multi-trip option
Good to know
The biggest difference is support model and flexibility. Tata AIG is primarily built for Indian residents travelling abroad, with cashless support at select network hospitals and reimbursement where cashless service is unavailable. LUMA supports international travellers across multiple departure countries and destinations, with Medipro doctor guidance, on-ground teams in Thailand and Vietnam, and hospital coordination where it matters most.
LUMA Travel Insurance provides worldwide coverage across more than 190 countries. Coverage zones and eligible products are determined by your departure country and destination when you get a quote. Check the applicable product on LUMA's quote engine.
Medical Evacuation is covered under LUMA Travel Insurance when medically necessary. If the local facility cannot provide the treatment you need, Medipro arranges transfer to a better-equipped hospital, manages the logistics, and stays involved throughout. With Tata AIG, evacuation coverage is available but handled through the helpline rather than an on-ground team.
Yes, and this is important. Tata AIG applies medical sub-limits for travellers aged 56 and above on most standard plans. This means the actual payout for a medical claim can be significantly lower than the stated sum insured. Senior-specific plans without sub-limits exist but cost more. Always check the benefits table for your age group before purchasing.
For families, LUMA's advantage is the Medipro support: when a child or elderly parent needs urgent care abroad, having a doctor guide the decision in real time is meaningfully different from calling a helpline. Tata AIG offers family floater options and is convenient to purchase. The right choice depends on the destination and how much on-ground support matters to your family.
LUMA Travel Insurance is one of the strongest alternatives to Tata AIG, particularly for travellers who want on-ground support and medical guidance. Where Tata AIG processes your claim, LUMA supports you through the situation: Medipro connects you to a doctor during emergencies, direct billing at partner hospitals means no upfront payment, and on-ground offices in Bangkok, Ho Chi Minh City, and Phnom Penh give you real local support at the destination. For travellers heading abroad who want medical guidance, faster claims, and a team that responds when something goes wrong, LUMA is the more operationally complete option.
Enter your trip dates, departure location, and destination — the eligible LUMA product and pricing appear instantly.
We use cookies to enhance your user experience, provide personalised content and analyse traffic. Cookie Policy.
