Compared to the visible and near-infrared-I (NIR-I) spectral regions, the near-infrared-II (NIR-II, 1000–1700 nm) window has emerged as a promising frontier in bioimaging due to its greater tissue penetration depth and reduced spontaneous background fluorescence. In recent years, significant progress has been made in applying Er3+-rich systems (NaErF4) as NIR-II fluorescent probes in biomedical photonics. These studies not only focus on enhancing imaging signal-to-noise ratios and detection sensitivity but also aim to achieve precision imaging-guided therapy for tumor regions. This review systematically summarizes the design strategies, luminescence mechanisms, and recent advances in the biological applications of NaErF4-based NIR-II luminescent nanomaterials. Additionally, the challenges associated with their future translation are discussed.