Nextcare works with your insurer as a Third-Party Administrator (TPA). We handle services like eligibility, approvals and claims on their behalf.
It’s the electronic version of your insurance card in the Lumi app. View or download it under Coverage.
Open Lumi → Coverage to review your benefits, terms and documents.
Yes, for dependents under 18 in your Lumi account. Family members 18+ need their own account.
Anywhere listed in your policy’s area of cover. If you choose treatment abroad (within your area of cover) though available locally, eligible medical costs are reimbursed as per policy terms except for the travel costs which aren’t covered).
All definitions, exclusions and conditions are in Lumi → Coverage (see Policy Benefits and documents).
The territories where your policy applies. Check Coverage for your area and the Network tab for included providers.
If your policy includes Emergency treatment outside area of cover, urgent care during short trips may be covered up to the time and amount limits shown in your benefits. Treatment must start within 24 hours of the emergency. Routine or follow-up care, and maternity-related costs, are not included.
If you’re on a group plan and will be outside your area for more than 6 weeks, please inform your Group Scheme Manager.
Generally yes for group and individual plans, unless your documents say otherwise. Confirm in Lumi → Coverage → Benefits.
Get care immediately. Then call the Nextcare Call Center (number on your card) so we can support you. Contact details are also on our website here.
