Request for our "Pre-Approval to benefit from a swift direct-billing service.
When to Request our Pre-Approval
Before receiving inpatient treatment, you are requested to obtain pre-approval.
- In case of visiting a hospital within our network:
- Your doctor may request pre-approval for a high-cost treatment. You can inform the hospital to send the required documents to Luma at claims@lumahealth.com
- We will review the documents and confirm the coverage within 14 working days. However, the process may take longer for cases that require further confirmation.
- In case of visiting a hospital outside our network, please prepare the following documents:
- IPD/OPD records from first visit until present
- All lab investigation results including X-ray, ultrasound, CT/MR, etc.
- Breakdown of estimated cost
- Doctor's order for the operation or preoperative set note/treatment plan
- Completed Pre-Approval Form
If you are requesting Pre-Approval for the following elective surgeries, we recommend you obtain a Second Medical Opinion:
- Coronary bypass
- Reconstruction of hip
- Surgery of the big toe to correct deformity (including bunion)
- Removal of uterus (hysterectomy)
- Surgery of the back (laminectomy/fusion)
- Removal of knee cartilage
- Dilation and curettage
- Cataract removal
- Surgical removal of hemorrhoids
- Removal of prostate (complete or partial)
- Removal of gall bladder
- Bone surgery of the foot
- Removal of all or part of the kneecap
- Surgical reconstruction of the nose (including submucous resection)
- Surgery of tendon sheath (wrist only)
- Removal of tonsils and/or adenoids
- Surgery of the breast
- Hernia repair
- Varicose vein surgery