# Lumi by Nextcare — Take control of your health

> Health insurance management and digital health services app. (iPhone/iPad app by NEXtCARE.)

- Source: https://appshunter.io/ios/app/lumi-by-nextcare/id1039800748 (this page in markdown: same URL + `.md`)
- Developer: [NEXtCARE](https://appshunter.io/developer/992044333)
- Category: Medical
- Price: Free
- Rating: 4.02/5 from 188 App Store ratings · 83 written reviews indexed
- Age rating: 17+
- Requires: iOS 16.0 · 80 MB
- Languages: American English
- Released: 2015-09-23
- Data updated: 2026-09-01
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/lumi-by-nextcare/id1039800748/reviews.md

## What is 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 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.

## Key features

- AI symptom checker
- Online doctor consultations (video/chat)
- Find healthcare providers & book appointments
- Submit and track medical claims
- Digital health insurance card
- Prescription delivery

## What do users think of Lumi by Nextcare?

Overall sentiment: negative

**Pros**

- 🚀 Fast service
- 👍 Easy to operate
- 👍 User friendly app
- 👍 Easy to upload claims
- 👍 Telehealth feature worked well
- 👍 Very useful apps
- 👍 Fantastic service
- 👍 Great help during pandemic
- 👍 Very easy to use
- 👍 Super easy to use
- 👍 Intuitive and easy to navigate
- 👍 Good design, easy to use
- 👍 Love this new version

**Cons**

- 🐛 Slow interface
- 🐛 App doesn't open
- 🐛 Features take too long to load
- 🐛 Hard to navigate
- 🐛 Lags and is very slow
- 🐛 Shuts down all the time
- 🐛 Cannot click checkbox to accept terms
- 🐛 Never operates fully
- 🐛 Cannot use Telehealth, Appointment, Medicine delivery
- 🐛 Cannot trust in critical circumstances
- 🐛 Cannot apply for reimbursement
- 🐛 Uploading documents fails
- 🐛 App not loading
- 🐛 Useless customer service
- 🐛 App keeps freezing
- 🐛 Disorganized
- 🐛 Coverage search takes ages
- 🐛 Impossible to download from App Store
- 🐛 Difficult to search for providers
- 🐛 No sort by nearest
- 🐛 Constant upload errors
- 🐛 Password reset issue
- 🐛 Password change not effective
- 🐛 Locked out after password change
- 🐛 Too slow to open
- 🐛 Horrible service
- 🐛 App never works on mobile data
- 🐛 Slowest and worst app
- 🐛 Not user friendly
- 🐛 App not working
- 🐛 No option to login on browser
- 🐛 Connection time out
- 🐛 Not all covered hospitals shown
- 🐛 Waste of time
- 🐛 Messy to figure out claims
- 🐛 Submitted claims appear and disappear
- 🐛 Blank interface
- 🐛 Black screen
- 🐛 Horrible app, never works
- 🐛 Doesn't boot properly
- 🐛 Worst app and performance
- 🐛 Timeout pop-up messages
- 🐛 Spinning wheel
- 🐛 Most features don't work
- 🐛 Cannot log in
- 🐛 Needs help link doesn't work
- 🐛 Poor app performance
- 🐛 Very buggy
- 🐛 Submitted documents do not show properly
- 🐛 Inquiry response shows blank page
- 🐛 Resubmitting documents does not always work
- 🐛 Pathetic, completely dysfunctional
- 🐛 UI and UX are horrible
- 🐛 Filled with glitches
- 🐛 Mobile number removed after update
- 🐛 Cannot add mobile number again
- 🐛 Does not deserve one star
- 🐛 Every section has a glitch or is incomplete
- 🐛 Hangs
- 🐛 T&C in another language
- 🐛 Cannot change information
- 🐛 No option to edit information
- 🐛 FAQ hangs or gives limited information
- 🐛 No claim form for reimbursements
- 🐛 Expired details shown
- 🐛 Laggy and unreliable
- 🐛 Document upload incorrect
- 🐛 Frustrating and time consuming
- 🐛 Garbage, truly horrendous
- 🐛 Pot luck if it works
- 🐛 Extremely slow
- 🐛 Won't load most pages
- 🐛 Minimal claim information
- 🐛 Updated policy error
- 🐛 App not reflecting new policy
- 🐛 Unreliable
- 🐛 Frequent errors
- 🐛 Doesn't load prior claims
- 🐛 Doesn't allow new claims upload
- 🐛 App is useless
- 🐛 Crashes
- 🐛 Server error
- 🐛 Poorly developed
- 🐛 Basic configuration takes ages
- 🐛 Worst provider ever
- 🐛 Straight rejects claims
- 🐛 Approval takes too long
- 🐛 Forced to go to hospital for approvals
- 🐛 Cannot register
- 🐛 Card number not found
- 🐛 Registration page doesn't work
- 🐛 No claim upload
- 🐛 Cannot invite family
- 🐛 GUI can be better
- 🐛 Insurance itself is worse
- 🐛 Network details are useless
- 🐛 App and insurance itself is worse
- 🐛 Registration page doesn't work
- 🐛 No claim upload
- 🐛 Can’t Invite Family
- 🐛 The GUI of the App can be better

**Commonly reported bugs**

- Search filter resets after pressing back button
- App does not open 99.9% of the times
- Features take at least 3 minutes to load
- Checking updates is the only thing that works
- Hard to navigate
- Lags and is really slow
- Shuts down all the time
- Cannot click on the checkbox to accept terms and conditions
- App never operates fully
- Login issues
- Telehealth, Appointment, and Medicine delivery not working
- Cannot trust the app in critical circumstances
- Cannot apply for reimbursement
- App goes back to page after uploading documents
- App is not opening
- Not loading
- Customer service is useless
- App keeps freezing
- App is very slow
- Disorganized
- Coverage search takes ages to load
- Difficult to search properly
- Impossible to download from the App Store
- Difficult to search for providers
- Partial matches don't get picked up
- Results don't show when you search
- No sort by nearest
- Constantly get an error when trying to upload a claim
- Unable to reset password
- Password change not effective
- Locked out after changing password
- Most of the options are very slow to open
- App never works on mobile data
- Retry or loading screen on high-speed WiFi
- Takes minutes to load
- Not user friendly
- App won't work properly when searching
- App not working
- No option to login on the browser
- Connection time out
- Internet access is fine
- Not all covered hospitals are shown in the list
- Many hospitals don’t show up in the list
- App is a waste of time
- App is very slow
- Messy to figure out claims
- Submitted claims appear and disappear
- Very slow
- Blank interface
- Screen is black and nothing happens
- App never loads
- Still struggling after 2 weeks
- Doesn't boot properly
- Restarted the app
- Stays in a black screen
- Very disappointing for an important app
- Timeout pop-up messages
- Clicking retry ends the story
- Spinning wheel
- Most features doesn’t work
- Old app was far better
- Cannot log in to this new app
- Needs help link doesn’t work
- Takes long time to load/fetch data from server
- Very buggy
- Submitted documents do not show properly when checking after submission of claims
- Receiving an inquiry response shows a blank page
- Resubmitting documents does not always work
- App is VERY slow compared to other similar apps
- Too many bugs
- Completely dysfunctional
- Nothing loads
- Constant errors
- Cannot log in
- UI and UX are horrible
- App is filled with glitches
- Mobile number was already in the app but the latest update removed it
- Cannot add mobile number again because verification code is not received
- Every section has a glitch or is incomplete or hangs
- T&C come up in another language
- Cannot move forward with agreeing to T&C
- If you agree anyway it hangs
- Cannot change any information
- There isn’t an option to edit your information
- FAQ hangs or gives limited information
- There is t even a claim form for reimbursements
- App still showing old policy which is expired
- App is very unreliable
- Sometimes when you try to submit a claim it will not upload the document correctly
- Very frustrating and time consuming
- Garbage
- Truly horrendous app
- Pot luck if it decides to work
- Extremely slow
- Won’t load most pages
- Claim pages don’t work most of the time
- Information is minimal
- Updated Policy Error
- App is not reflecting the new policy
- When trying to register again it says email id already registered
- Unreliable
- App works well when it functions properly
- Frequently has errors
- Doesn’t load list of prior claims
- Doesn’t allow new claims to be uploaded
- Needs to be improved
- App is useless
- App does not work on iPhone Xs running iOS 14.3
- Nextcare seem to be having digital issues across all platforms
- Don’t waste your time
- Keeps crashing
- App keeps crashing while trying to access information
- Keeps crashing on iOS 14.1
- فاشلين (Failed)
- خدماتهم جدًا تعبانه (Their services are very bad)
- لا يعوضون حتى بعد المطالبه يتم الرفض (They don't compensate even after claiming, it's rejected)
- Expired details
- Laggy and unreliable
- The app is very unreliable
- Sometimes when you try to submit a claim it will not upload the document correctly
- Very frustrating and time consuming
- Garbage
- Truly horrendous app
- Pot luck if it decides to work
- Extremely slow
- Won’t load most pages
- Claim pages don’t work most of the time
- Information is minimal
- Updated Policy Error
- App is not reflecting the new policy
- When trying to register again it says email id already registered
- Unreliable
- App works well when it functions properly
- Frequently has errors
- Doesn’t load list of prior claims
- Doesn’t allow new claims to be uploaded
- Needs to be improved
- App is useless
- App does not work on iPhone Xs running iOS 14.3
- Nextcare seem to be having digital issues across all platforms
- Don’t waste your time
- Keeps crashing
- App keeps crashing while trying to access information
- Keeps crashing on iOS 14.1
- فاشلين (Failed)
- خدماتهم جدًا تعبانه (Their services are very bad)
- لا يعوضون حتى بعد المطالبه يتم الرفض (They don't compensate even after claiming, it's rejected)
- Server error
- App is already poorly developed
- Keeps giving server error out of working hours
- Configuration takes ages
- Correct all bugs at least to have usability
- Cannot register, says card number not found
- Pretty pointless app
- Does not recognize card number
- Unable to register
- Asked to verify mobile but have not been sent a code
- Registration page doesn't work
- Cannot register to the app
- No claim upload
- You can’t even upload claims
- Can’t Invite Family
- Have one email for 3 policies and can only view one policy on the app
- Option to invite family does not work on the app
- The GUI of the App can be better
- App and Insurance itself is worse
- Network details are useless
- Registration page doesn't work
- No claim upload
- Can’t Invite Family

**Most requested features**

- Make selection/listing of care providers alphabetically
- Change coverage search to be faster
- Improve backend for faster data loading
- Allow selection of navigation app (e.g., Google Maps)
- Add option to edit information
- Add claim form for reimbursements with clinics
- Fix mobile number verification code issue
- Fix issue with viewing dependants for both parents
- Add teleconsultation functionality

## Recent user reviews (10 of 83)

All indexed reviews: https://appshunter.io/ios/app/lumi-by-nextcare/id1039800748/reviews.md

### 1/5 — Doesn’t work

*2026-06-10*

Just get stuck on the checking for update page. Useless

**Developer response:** Can you please try again? If you still face the same issue, kindly send an email about it directly to the app team at appsupport@nextcarehealth.com. Thank you

### 1/5 — Very slow update

*2026-06-10*

Very slow update and load

**Developer response:** Can you please try again? If you still face the same issue, kindly send an email about it directly to the app team at appsupport@nextcarehealth.com. Thank you

### 1/5 — Garbage application

*2026-04-02, version 7.0.11*

SO BUGGY totally unusable for submitting claims.

### 1/5 — Unable to find network list

*2026-03-13*

Too much slow interface . not able to search nearest clinic/Hospitals . Search filter resets after pressing back button

**Developer response:** Sorry for the inconvenience. You may send an email about this directly to the app team at appsupport@nextcarehealth.com for assistance. Thank you

### 1/5 — Worst app

*2026-02-11*

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.

### 5/5 — Service

*2026-01-18*

Very good and fast service

**Developer response:** Thank you for your positive feedback!

### 1/5 — Awful app

*2026-01-13*

Hard to navigate, lags and is really slow and shuts down all the time

**Developer response:** Sorry for the inconvenience. Your comment was shared with the app team so they can do the needful. Thank you

### 1/5 — STOP CHEATING

*2026-01-10*

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

### 2/5 — Never operates fully

*2026-01-04*

This app never operates fully. There is always an issue sometimes with login and sometimes with the feature.  Since 2 days I am not able to use Telehealth, Appointment and Medicine delivery. You can not trust this app in critical circumstances.

**Developer response:** Sorry for your experience. Would you mind trying again? If you still face the same issues, please send an email directly to the support team at appsupport@nextcarehealth.com. Thank you

### 1/5 — Cannot apply for for claim

*2025-12-09*

I tried more than 10times for ,application for reimbursement in app it is going back to page after uploading documents

**Developer response:** Please try again and if you still face the same issue, kindly send an email to the app team at appsupport@nextcarehealth.com for assistance.

## Frequently asked questions about Lumi by Nextcare

### What does Lumi by Nextcare do?

Lumi by Nextcare is a mobile application designed to simplify health management for Nextcare insured members. It allows users to access their insurance benefits, submit and track claims, generate insurance certificates, and download their digital health insurance card. Additionally, it provides access to various digital health services.

### What are the key digital health services offered by Lumi?

The app features an AI-powered symptom checker that can identify potential health concerns. Users can also consult with qualified doctors online via video calls or live chat for non-emergency conditions, receive prescriptions, and have them delivered. Furthermore, it helps users find healthcare providers, book appointments, and track medical claims.

### Is Lumi by Nextcare free to use?

Based on the provided information, the app is available for free. There is no mention of subscription fees or upfront costs for downloading and using the core features of the application.

### How can I find a doctor or book an appointment through Lumi?

Lumi provides access to an extensive healthcare provider network. You can search for over 20,000 doctors based on specialty, language, availability, location, and rating. The app also allows you to get pre-approval and a quote for your appointment, streamlining the booking process.

### Can I get my prescriptions delivered through this app?

Yes, a distinctive feature of Lumi is the convenience of having prescription medication delivered to your doorstep. This service is available not only for patients who have had an online teleconsultation but also for those managing existing health conditions who need prescription refills.

## Version history (last 5 releases)

### 8.0.0 — 2026-08-11

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

### 7.0.14 — 2026-06-04

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

### 7.0.13 — 2026-05-25

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

### 7.0.11 — 2025-12-15

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

### 7.0.10 — 2025-10-10

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

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## More apps by NEXtCARE

- [Nextassist](https://appshunter.io/ios/app/nextassist/id1538963159)
- [Nextassist - Business](https://appshunter.io/ios/app/nextassist-business/id1538963764)
- [Nextgen App](https://appshunter.io/ios/app/nextgen-app/id1634580368)

All apps by NEXtCARE: https://appshunter.io/developer/992044333

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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 2026-09-01.*