PRIME: How to Plan a Treatment at the Hospital (Pre-Approval)

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