Lumi – Your Trusted Health Companion
Whether you’re an Allianz-insured member, Nextcare-insured, or covered under a Nextcare-managed policy, Lumi makes managing your insurance effortless—your policy, benefits, and claims are just one tap away.
With Lumi, you can easily:
Download Your Digital Health Insurance Card for seamless access
Check Your Policy Benefits anytime, anywhere
Submit & Track Claims with ease
Easy Claims Processing: hassle-free reimbursement and preapproval processes
Lumi brings healthcare home with a caring Digital Health Assistant, 24/7 doctor access, easy appointment booking, AI-powered symptom checking, and convenient medication delivery.
Submit & Track Medical Claims Hassle-Free
Managing insurance claims is easier than ever. Upload your medical documents, submit your claim, and track its progress—all within the app. Once approved, receive reimbursements through your preferred payment method without unnecessary delays.
Take Charge of Your Health with Lumi’s Digital Services
We know your health is more than just insurance. Lumi offers a suite of digital health services designed to support your well-being.
Check Your Symptoms with Confidence
Lumi’s AI-powered Symptom Checker is an EU-certified medical device providing fast, reliable health insights. Whether you’re experiencing mild discomfort or unusual symptoms, this tool helps you assess your condition and make informed decisions—all from home or office.
Talk to a Doctor whenever you need
With Lumi’s Teleconsultation Service, expert multilingual doctors are just a tap away. Speak with doctors via secure video calls for consultations, prescription refills, and lab test requests.
Doctor Chat – Instant Medical Advice
Need quick guidance? Lumi’s Doctor Chat connects you to certified doctors via live chat, providing real-time answers to your non-emergency health concerns. With over 1,000 doctors available 24/7 in 13 languages across 19 countries, you’ll receive trusted advice whenever needed.
Private & Secure
Your medical information is handled with the highest confidentiality, ensuring a safe healthcare experience.
Get Your Medications Delivered to Your Door
Skip pharmacy lines with Lumi’s Medication Delivery Service—receive your prescribed medicines without hassle. Place your order through the app and have your medications delivered to your doorstep.
Find & Book Appointments with Ease
Need to see a doctor in person? Lumi’s Appointment Booking Service makes it easier than ever. Search from Over 21,000 Providers – Find doctors, clinics, hospitals, and pharmacies covered under your insurance. Filter by Specialty, Location & Network – Choose the right provider based on your needs.
Lumi connects you to quality care effortlessly—so you can focus on what matters most.
Get Instant Support with Zoe, Your Virtual Assistant
Need help navigating your insurance benefits or checking your claim status? Zoe, Lumi’s friendly virtual assistant, is available 24/7 to provide instant answers. It can help you find in-network healthcare providers, check claim status, and connect you to our Care Center for further assistance.
Why Lumi?
Simple to Use – Access essential features instantly and make the most of your policy. Fast & Efficient – Manage your healthcare quickly and easily. Seamless Access – Enjoy reliable, trustworthy healthcare services from home or office.
About Lumi
Lumi is designed to make healthcare simpler, smarter, and more accessible. Combining expertise with digital health innovations, we’re committed to supporting you every step of your healthcare journey. What sets Lumi apart is our focus on simplifying insurance management so you can concentrate on your health and life. Download Lumi today and experience a healthcare journey that fits your lifestyle.
Needs a complete overhaul of design/product of this app; always slow and buggy
_Ashishg
1. For tech team: Why does it downloads update Everytime I open the app ! (Even if it's everyday I use it) this is extremely frustrating experience, especially when you want the app to load fast when you are in hospital.2. Functionality and usability is really bad3. When you go beyond 2 pages and try to access some kind of documents like "policy coverage" it doesn't have it ! You need to talk to support team. 4. Again for tech team: why app is buggy and so slow !! Why can't you put assets on CDN combined with compression techniques !!
Developer Response
Thank you for your detailed review. We've shared your comments with the app development team so they can be addressed in the next update.
Bad choice
Essia chelbi
Hello everyone Today I'm going to talk about my experience with al buhaira insurance managed by next care. I took out the insurance in February and it is valid until September.This insurance was taken out through my husband's work under his responsibility.I used this insurance for 2 months, after which it began to reject my requests for tests at RAK hospital. I asked RAK Hospital to restart my test request but unfortunately the file was repeatedly rejected. I call their centre and get no updates from any employers , so each time I have to explain my situation.The HR who works with my husband has made several requests but nothing to report, they take enough time to process the file.Today I'm 36 weeks pregnant and the insurance company has asked me to pay 19,000Aed to get my insurance back.The hospital delivery package costs 5600 aed.Tell me what's in your interest as an insurer in this case if I pay more! What will I gain as a member? I've wasted time, energy and a lot of money doing the tests on my own account.Just imagine, after months of waiting for a favourable response, they ask me for this imaginary amount.No sense of humanity and no professionalism. A pregnant woman undergoing all this stress during her pregnancy only reflects their lack of professionalism and that this is an insurance company that wants to collect money without reimbursing its members.I don't recommend it at all, it's a bad experience I've had with them unfortunately for me during my pregnancy but I'm writing this post for people who want to join this insurance so be careful before taking this risk because afterwards you'll regret it.
Developer Response
Dear Essia,We take our members' feedback seriously. Would you kindly send an email about this to membercare@nextcarehealth.com and mention your policy number or national ID number? Our team will investigate and do the needful. Thank you
100% not recommend
Alaa6790&&&
I am very dissatisfied & disappointed with my first experience using nextcare insurance policy.I don’t recommend at all .They don’t care about patient and they have the worst customer service I had deal with ( spoked to 4-5 agents by phone call, 2-3 by their WhatsApp service and 3 in this application also very slow responding and not giving any answers) !!! no one helped me with even updating me with the real situation!I stayed in the hospital waiting for the approval from 7:50 pm till 11 pm and the approval never come till next day noon!!!!!!!!first they said 0-60 minthen 90 min maxthen we will evaluatewe will accelerateafter that I had to leave my ID in a hospital and leave telling them I will come tmw to pay.and when I called to submit complain that’s when they decide to tell me that they are waiting for report from my doctor who finished his job 8:30 and left!!!!it mean next care had around 40 min to get the approval and update me with the situation so I could go to the dr and clear the issue but they are careless , also their basic coverage is the worst I have ever seen in UAE with very limited providers with a lot of instruction and limitation ! wasting time and annoying the patient is that what I paid for?!
Developer Response
Sorry for your experience. Your comment was shared with the team. For urgent matters related to your insurance coverage or service, please use our email membercare@nextcarehealth.com and mention your policy number and contact details so our care team can easily locate your case and assist you. Thank you
One of the worst apps I ever used
Krasulya
- The app is very inconvenient. It’s is slow and buggy in general- Manually uploading my ID **each timr** I book an appointment is very inconvenient - I received notification 15 minutes before the scheduled time that I need to join the call. But the app didn’t let me, or showed that I can only join 5 minutes before the call. But the doctor called by phone, she told me that she has different time, 15 minutes earlier, and we were not able to use a video because of that bug - The doctor created request for blood test and for some reason it was declined. And I have no idea why and what should I do next! The app didn’t allow me to follow up with doctor, to re-submit request or anything like that - I tried to call you, message you in WhatsApp, left a request to call me back - and nothing! I wasn’t able to contact you- I received reference to a doctor that says that I will need to show referral number at clinic. And there is no number! Instead of number it says "na", so it is another bigI encountered all these issues from just a single attempt to visit a doctor. So far the whole experience is literally horrible, I never had so many issues with any other insurance
Developer Response
Dear Krasulya,Sorry for the inconvenience. Our team has checked this and there seems to have been an update ongoing at that time. So hopefully this does not happen again. If you ever encounter any issues with the app, kindly send an email about it to appsupport@nextcarehealth.com. Thank you
We update Lumi as often as possible to make it faster and more reliable to you. Here are couple of the enhancements you’ll find in the latest update:
- Overall improvements in stability and performance
- General UI and UX improvements
- Squashed some bugs
Version 8.0.2
The developer, NEXtCARE, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
Usage Data
Data Linked to You
The following data may be collected and linked to your identity:
Usage Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Location
Diagnostics
Privacy practices may vary based, for example, on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
