> Is the Android version of the app in question not region locked on Android?

It probably is, I didn't check. I was able to grab the APK and install it directly

The login button redirects you to a page with a QR code for the application: https://www.nextcarehealth.com/download-lumi/

Or maybe I'm missing something, did you actually find a Login form there?

With Google, as another posted has pointed out, you can use services like apkpure and grab the apk and install it directly, thereby bypassing such restrictions

Here's the company (that manages the "frontend") for ours and a bunch of other insurance companies: https://www.nextcarehealth.com/

I couldn't find their Lumi / web based login. Maybe you can help me find it!

Mobility decisions are often dictated by visa-policies for people with weak passports (which is a big chunk of the world population). UAE, with all its flaws, is a lot more accessible than other countries may be