# Luma Care — Health Insurance and Wellness

> Mobile health insurance management for claims, network, and benefits. (iPhone/iPad app by Luma Care Company Limited.)

- Source: https://appshunter.io/ios/app/luma-care/id1354965133 (this page in markdown: same URL + `.md`)
- Developer: [Luma Care Company Limited](https://appshunter.io/developer/1354965132)
- Category: Health & Fitness
- Price: Free
- Rating: 3.67/5 from 3 App Store ratings · 5 written reviews indexed
- Age rating: 12+
- Requires: iOS 13.0 · 26 MB
- Languages: English
- Released: 2018-06-10
- Data updated: 2026-07-04
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/luma-care/id1354965133/reviews.md

## What is Luma Care?

Enjoy an effortless insurance experience. With LUMA Care mobile application, you can submit and track claims, access your insurance card, explore LUMA medical network, and so much more.  

Introducing LUMA Care mobile application, your ultimate mobile health insurance companion. With LUMA Care, you can enjoy peace of mind knowing that your health insurance coverage and benefits are readily accessible whenever you need them. Stay informed about your health and insurance status, all within the convenience of your mobile device. 

* View your benefits anytime, anywhere, putting the power of your health coverage right at your fingertips. 
* Say goodbye to paperwork. LUMA allows you to effortlessly submit your insurance claims online and track their status, ensuring a hassle-free claims process. 
* Discover the ideal medical facility for your needs via LUMA’s preferred medical network.  

Install today and experience easy, accessible and simple insurance management. Empower yourself with LUMA Care's comprehensive features and let LUMA continue to be your companion for all things health.

## Key features

- Submit and track insurance claims
- Access digital insurance card
- Explore medical network
- View benefits and coverage
- Hassle-free insurance management

## Recent user reviews (5 of 5)

All indexed reviews: https://appshunter.io/ios/app/luma-care/id1354965133/reviews.md

### 1/5 — Don’t buy LUMA Policies - Scammed

*2025-03-30*

I WILL NEVER USE LUMA AGAIN.
I RECOMMEND YOU DO NOT USE LUMA.
CUSTOMER SERVICE REPS BASED IN VIETNAM DENIED CLAIMS
BURIED IN PAGES OF FORMS TO DISSUADE CLAIMS

I bought Luma Travel Insurance for an upcoming trip throughout South East Asia.  I was starting in Thailand.  This was a policy for about half a year.  Technically I'm still covered, but IT HASN'T COVERED A SINGLE THING.

I made sure that it would cover Thailand as I was planning to leaving and returning, using Thailand as my travel hub.

Luckily (I thought), but it turns out to be unlucky, I had a minor fall the following day which required x-rays, a soft cast, and a couple of follow up visits in Bangkok as I had fractured my right foot.

At the hospital the travel insurance wasn't recognized, I had to pay out of pocket.  I submitted the paperwork I received from the hospital to Luma and got no response for months.  Dozens of pages of paperwork (WHEN I'M ON VACATION, LUMA forms from the hospital, Accident Reports, Individual Expense Reports)

Eventually they required me to re-submit all the documents all over again to a customer service rep in Vietnam.  This is when I knew I was going to get screwed.  They cited terms and conditions that weren't the ones I signed up for initially and the claim was denied.  The the medical expenses was about $1000, not even a very expensive claim.  However, the months long inconvenience leading to the eventual denial of claim means:

Again,
I WILL NEVER USE LUMA AGAIN.
I RECOMMEND YOU DO NOT USE LUMA.

I will be returning to Thailand and non-stop traveling for the rest of my life, almost assuredly, and I won't be using Luma ever again or recommend it to anyone I know.

Personally I think they are short sided and will be losing a lot more than 1,000$ in business.

It’s best to choose something else.

The App was unhelpful.

### 5/5 — New design, new workflow is really cool

*2023-12-13, version 3.0.0*

I love it

### 5/5 — Easy, convenient and up to date

*2023-11-28, version 3.0.0*

The app is useful with all the info in one place.
I can use it to show the hospital, quickly check my benefits and the claim submitted was quickly processed.

ใช้งานง่าย ข้อมูลครบในที่เดียวค่ะ 
ดูได้ว่าเบิกอะไรได้ แล้วการสำรองจ่ายแล้วมายื่นเบิก ระบบจัดการไวค่ะ

### 5/5 — Good Service

*2023-10-02*

Very supportive medical team and claims process is smooth.

### 1/5 — Does not work at all

*2019-12-20, version 1.0.4*

When I try to register or to log in, an empty pop up appears with empty message.

Nothing I can do.

## Frequently asked questions about Luma Care

### What can I do with Luma Care?

Luma Care allows you to submit and track insurance claims, access your digital insurance card, explore the LUMA medical network, and view your health insurance benefits anytime, anywhere.

### Is Luma Care free to use?

Yes, Luma Care is available for free download and use. It does not require any payment to access its core features.

### What devices does Luma Care support?

Luma Care is available on iPhone, iPad, and iPod devices, making it accessible for a wide range of Apple users.

### How often is Luma Care updated?

The app was last updated on September 8, 2025, with version 3.4.3. This indicates regular updates to improve functionality and address any issues.

### What is the age rating for Luma Care?

Luma Care has an age rating of 12+, suggesting it is suitable for users aged 12 and above.

### How accurate is Luma Care's medical network information?

Luma Care allows you to explore its preferred medical network to discover ideal facilities for your needs. For the most up-to-date information, it's always recommended to verify directly with the provider.

### Does Luma Care integrate with other health apps?

The current description does not mention integration with other health apps. Luma Care focuses on providing a comprehensive health insurance management experience within its own platform.

### What do users think of Luma Care?

Luma Care has a rating of 3.7 stars from 3 ratings. This suggests a generally positive but mixed user reception.

## Version history (last 5 releases)

### 3.4.7 — 2026-06-30

General stability improvements and security updates

### 3.4.6 — 2026-06-09

What's New in 3.4.6

  - General stability improvements and security updates

### 3.4.3 — 2025-09-08

- Security and session management improvements
- Bug fixes and performance enhancements
- Better protection for user data and documents

### 3.4.1 — 2025-05-30

Improved File Support
- Fixed issues that caused errors when downloading or opening documents on some devices.
Performance Boosts
- The app is now faster and more reliable when accessing documents and policy details.

### 3.4.0 — 2025-04-18

- Improved file upload speed and reliability.
- Smarter update notifications to keep your app current.
- General performance improvements and bug fixes.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-07-04.*