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.
Lumi is not opening from morning. Tried multiple times - it’s not loading! Need to get info about the pending reimbursement claims
Developer Response
If you are still facing the same issue, please send an email about it directly to the app team at appsupport@nextcarehealth.com
Worst app
suranand
This is the worst app I’ve ever used in last decade at least. It doesn’t open 99.9% of the times, that’s a perfect reliability contrast. If it opens, no feature works without talking at least 3 min as if it is loading done 4k movie. I don’t know if the makers thought this app will be used by not more than 10 users. Checking updates is the only religious thing that works on each use of the app. What a sick example of how bad development looks like. I feel it’s the backend infra issue but not the fronted. Sorry for this sarcasm but it never works when I need it urgently. I’m utterly shocked to see so many positive reviews. Pls done ask me to write to app support team. I have nothing more to say.
Developer Response
Your feedback has been taken seriously and shared with our technical team for immediate review, particularly regarding stability and performance concerns. We continuously work on improving reliability and user experience, and comments like yours help us identify where we need to do better.Thank you for sharing your feedback.
Really worst experience you face
Dileep kimar
Really bad insurance by service. Nobody answers politely considering you as a patient. I had a lab test applied for insurance and 20 minutes no response and after that I called their customer support waiting 28 mins precisely on call no response and even a request to talk to their manager customer care denied. What support you have to get from them??They never cares , how much a patient’s suffersI made mistake opting for nextcare insurance AXA, New India insurance are far better.
STOP CHEATING
Harz07
I have been to a Ayurvedic clinic to consult my son. Who has alternative treatments coverage. As per the clinic staff only reimbursement is possible. Tried to fill the reimbursement form. It was asking me to accept the terms n conditions. But noway that anyone can click on the checkbox to accept it. The page designed in a such a way that nobody can click on it as the box is hidden at bottom corner. I’m sure these are dirty tricks that insurance companies do to prevent the claim request. Shame…
Developer Response
Dear Hareesh, thank you for bringing this to our attention. Can you please try again, and if you still face issues, then kindly get in touch directly with the team by email at 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
