Genki
Genki is a worldwide health insurance plan designed specifically for frequent travelers, digital nomads, and expatriates.
Coverage Tiers & Benefits
Core Components
| Benefit | Basic Plan | Premium Plan |
|---|---|---|
| Maximum Annual Medical Coverage | 1 million € per Insurance Year | Unlimited |
| Inpatient Coverage | ✓ Hospital stays ✓ Medical consultations & examinations ✓ Surgeries & procedures ✓ Organ transplants ✓ Prescribed medication & devices ✓ Rehabilitation (20 days per year) ✓ Double room accommodation ✓ Blood bag transport ✓ Life-sustaining devices | ✓ All Basic coverage plus: ✓ Rehabilitation (30 days per year) ✓ Single-room accommodation ✓ Home nursing care (requires Prior Approval) ✓ Additional bed for parent during child’s stay ✓ Babysitting (€45/day for 7 days) |
| Emergency Room Coverage | ✓ Full coverage for accidents & emergencies ✓ Emergency transport to nearest hospital | ✓ Full coverage for accidents & emergencies ✓ Emergency transport to nearest hospital |
| Maternity Coverage | ✗ Not covered | ✓ 12-month waiting period (except for complications) ✓ Prenatal & postnatal care ✓ Ultrasounds & screenings ✓ Childbirth (hospital & home) ✓ Midwives & birth assistants ✓ Preparation courses (€500 per pregnancy) |
| Outpatient Coverage | ✓ Doctor visits ✓ Deductible options: €0, €500, or €1,000 | ✓ Doctor visits ✓ Deductible options: €0, €500, or €1,000 |
Optional Components
| Component | Basic Plan | Premium Plan |
|---|---|---|
| Emergency & Crisis Evacuations | ✓ Emergency transport to hospital ✓ Medical transport to another country ✓ Repatriation of mortal remains | ✓ Emergency transport to hospital ✓ Medical transport to another country ✓ Repatriation of mortal remains |
| Routine Physical Examinations | ✗ No coverage | ✓ Covered within €250/year preventive care limit |
| Preventive Screening Examinations | ✗ No coverage | ✓ Pap tests, colonoscopy, sonography, cancer screening (within €250/year limit) |
| Telehealth Consultations | ✓ Video calls with doctors | ✓ Video calls with doctors |
| Extreme Sports | ✓ Climbing, diving, skiing, martial arts, etc. ✗ Professional sports not covered | ✓ Climbing, diving, skiing, martial arts, etc. ✗ Professional sports not covered |
| Dental Coverage | ✗ No coverage | ✓ €2,000/year limit ✓ Pain relief, fillings, extractions ✓ Checkups & cleaning (€200/year) ✓ Crowns, bridges, dentures (12-month waiting) ✗ Implants & orthodontics not covered |
| Vision Coverage | ✓ Prescribed examinations only | ✓ Examinations & checkups ✓ Frames, lenses & contacts (€250/year) ✗ Eyesight correction surgery not covered |
| Mental Support Coverage | ✓ Inpatient psychiatric care only | ✓ Inpatient & outpatient mental health care ✓ Psychotherapy apps (requires approval) |
| Vaccinations | ✗ No coverage | ✓ Covered (within €250/year preventive care limit) |
Unique and Special Plan Features
24/7 Customer Service: Yes, with fast and friendly 24/7 communication via WhatsApp and other channels. Emergency assistance hotline provided by MCI Assist
Medical Case Management Service:
- 24/7 Emergency assistance hotline provided by MCI Assist
- Direct payment for hospitals (inpatient stays)
- Hospital admission coordination
- Quality monitoring of treatment
- Medical transport organization
Direct billing for hospital stays
Extensive sports coverage
The Plan Rules
Minimum and Maximum Acceptance Age: Maximum age 55 at enrollment (no minimum specified)
Plan is for individuals who live away from their home country for how long: Designed for digital nomads and expats who spend six months or more abroad during the year
Geographic Zones of Coverage: Worldwide, with limitations:
- Canada/USA: Limited to 30 days, €250,000/year, and life-threatening emergencies
- Basic Plan: Same limitations apply to countries of citizenship
Coverage in my home country:
- Basic Plan: Limited to 30 days, €250,000/year, and emergencies
- Premium Plan: Full coverage (no specific limitations)
Minimum duration of policy: One year
Plan cancellation policy:
- Can cancel after a minimum one-year period
- Can cancel within two months after age-related price increase
- Can cancel if covered by mandatory local health insurance
- 14-day free look period after receiving Certificate of Insurance
Can they exclude my new health conditions at renewal time? Not specifically addressed in their policies
The Claim Process
When do I need to pre-approve medical expenses?
- Expenses of €2,000 or more require pre-approval (cost estimate sent 5 days before treatment)
- Specific benefits requiring Prior Approval include second opinions, home nursing care, transportation to another country, and psychotherapy apps
- No pre-approval is needed for emergency treatment handled by Emergency Assistance
Deductible and Cost-Share Options:
- Deductible options (applies to outpatient only): €0, €500, or €1,000 per Insurance Year
- No co-insurance or cost-sharing mentioned
Pros & Cons
Insurer Details
Plan Name: Genki Native
Who is the insurer? Squarelife Insurance AG
Insurer’s Country: Liechtenstein
Website: https://genki.world/
April International
