CHECKLISTMedical aid claiming
Medical aid claiming checklist
The daily routine that gets claims paid in full, first time, plus the six mistakes that cost the most.
Finance · Marketing · Systems · Training
Helping healthcare practicesgrow and thrive.
One partner for finance, medical aid claims, tax, systems, staff training, marketing and growth. We do the work, then sit down with you to explain what it means and what to do next.
6 yearsin the healthcare industry
10services, one partner
4 pillarsfinance · systems · people · growth
Zimbabweheadquartered
The challenge
Clinically excellent. Financially in the dark.
The same six problems hold practices back. Tap a card to see how we fix it.
Practice toolkit
Run the numbers on your practice.
Four quick tools. Move a slider or two and see the answer straight away.
Practice health check
How healthy is your practice behind the scenes?
Ten quick questions on claims, books, compliance, people and growth. Get a score out of 100 and the three things to fix first.
- Claims
- Finance
- Compliance
- People
- Growth
What we do
Ten services. One partner.
Pick a service to see what you get. Take one on its own, or combine them into a complete outsourced finance function.
Beyond the report
We don't just send reports. We sit down with you.
Every report is followed by a conversation. Follow the five steps below.
Going concern
Regular checks on profit, cash and solvency so the practice keeps thriving.
Budgets & cash flow
Annual budgets and monthly forecasts you can steer by.
Equipment decisions
Buy, lease or finance, with payback worked out before you commit.
Where to invest next, in healthcare
New services, rooms, chairs, branches and partnerships, ranked by return and risk.
Where to invest next, beyond healthcare
Opportunities that put surplus cash to work and spread the owners' risk.
Diversification & growth
New revenue streams, acquisitions and expansion, with the numbers behind them.
Numbers on their own change nothing. Our job is to make sure they lead to decisions.
Who we serve
The whole healthcare industry. Find your fit.
All ten of our services are available to every provider across the healthcare industry. Choose your area to see the usual challenge, where practices like yours often start, and an idea to grow.
New practices & start-ups
Starting a practice? We smooth the whole process.
From registration to your first patient, we handle the paperwork and the set-up so you can open on time and get paid from day one.
Plan my opening →- Company and ZIMRA tax registration
- Practice licensing with the Health Professions Authority
- AHFoZ practice numbers and medical aid provider registrations
- Bank accounts, opening budget and funding
- Billing, claims and finance systems ready before opening
- Front-desk and claims training for your new team
Samples of our work
See your practice at a glance.
Switch between views on the sample dashboard, then open any of the one-page reports we send. Every report is discussed with you.
Sample Practice · Live dashboardIllustrative data
WHAT WE'D TELL YOU
Reports you receive
Illustrative samples for a fictitious practice. All figures are invented to show the format. We never share client data.
Why Luma Global
Built for healthcare. Focused on decisions.
Healthcare focus
We work only in healthcare, so we know medical aid billing, remittances and shortfalls.
Multi-currency competence
USD and ZWG reported separately and accurately, never blended.
Modern tools, modest cost
Dashboards, automation and AI-assisted analysis on tools that cost little to run.
Reports people read
One-page dashboards and plain language, delivered by email or WhatsApp.
Proven systems
Our systems already run in dental, medical, specialist and wellness practices.
One partner
From the front desk to the auditor, the bank and the boardroom.
Client confidentiality. To protect the patients and practices we serve, we never disclose client names or give client referrals. We are happy to walk you through anonymised samples of our work.
Free resources
Free guides for your practice.
Practical, printable checklists from our team. Tell us where to send updates and download straight away.
GUIDEWithholding tax
Stop losing 30% to withholding tax
Why medical aids hold back 30%, how to stop it, how to get it back, and the year's tax dates.
CHECKLISTMonth-end close
Month-end close checklist
Close every month the same way, with the key numbers every practice should track.
Insights
Practical reading for practice owners.
Short articles on claims, tax, finance and growth, written for healthcare in Zimbabwe.
Tax
Why medical aids withhold 30% of your payments, and how to stop it
If your remittances are 30% lighter than your claims, the cause is usually your tax clearance. Here is what is happening and how to fix it.
4 min read → Claims7 medical aid claiming mistakes that cost practices money
Most rejected and short-paid claims start at the front desk. These are the seven mistakes we see most often, and how to fix each one.
5 min read → FinanceMonth-end in a medical practice: what should happen, and why it matters
If you only find out how the practice did weeks after month-end, decisions are being made in the dark. Here is what a good month-end looks like.
4 min read → GrowthMarketing a healthcare practice: where to start
Good care deserves to be found. A practical, ethical starting point for growing a practice in Zimbabwe.
4 min read →
Questions
Good to know.
Can't find your answer? Message us on WhatsApp and we'll reply directly.
What does the free review include?
We look at how your practice bills, submits claims, collects and reports. You get a short summary of where money is being lost and the quick wins we would start with.
Why are medical aids withholding 30% from my payments?
Medical aids must withhold 30% of payments to providers who do not have a valid tax clearance (ITF263) on file. We renew your clearance on time and send it to every medical aid so nothing is withheld, recover tax that was withheld in error, and plan your tax for the whole year.
Can I start with just one service?
Yes. Many practices start with medical aid reconciliation or monthly accounts and add other services later.
How is your fee worked out?
Fees depend on your practice's size, claim volumes and the services you choose. After the free review we give you a clear monthly quote.
Do you work with practices across Zimbabwe?
Yes. Our reporting runs on cloud tools, email and WhatsApp, so we can support practices wherever they are in the country.
How do you keep our information confidential?
Client and patient information stays private. We never disclose client names, give referrals or share data, and the samples we show are for fictitious practices.
Which systems do you work with?
We work with your existing records, and we deliver current hospital and practice management systems with our partners. We also build finance workbooks, cloud databases and live dashboards.
Partner with us
Let's grow healthcare together.
We work with organisations that serve healthcare providers. Together we can give practices more complete solutions.
Systems & software
Hospital and practice management systems. We implement, train and report on top of your platform.
Banks & lenders
We prepare bank-ready practices with clean statements, projections and ongoing lender reporting.
Wellness & corporates
Employee wellness days and programmes, planned and delivered with healthcare providers.
Suppliers & distributors
Medical and dental suppliers who want to reach practices, and help them finance equipment.
Professional firms
Lawyers, auditors and consultants who serve healthcare and want a finance partner on the ground.
Something else?
If you serve healthcare providers and see a way to work together, we would like to hear it.
Let's talk
Start with a free review of your practice's finances.
We review how your practice bills, collects and reports, and show you where the quick wins are.