Lumi by Nextcare

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 fri