International Health Insurance:
Genki Native & Genki Traveler

• Common ailments: Colds, flu, minor infections, allergies
• Chronic conditions: Ongoing treatment for diabetes, asthma, hypertension
• Injury care: Fractures, burns, wounds, accident-related treatments
• Emergency care: Critical treatment including intensive care
• Serious diseases: Pneumonia, dengue, sepsis, major infections
• Cancer treatment: Chemotherapy, radiotherapy, and related treatments
• Organ transplants: Surgery, hospitalization, and post-transplant care
• Palliative care: Symptom relief and quality-of-life support

• Direct payment: Hospital bills paid directly by MCI Assist — no upfront cost to you
• 24/7 emergency assistance coordination and treatment monitoring
• Medical transportation to better facilities if needed
• Basic: Shared room coverage
• Premium: Private room coverage

Required: Hospital must obtain confirmation from Emergency Assistance before admission (or as soon as possible in life-threatening emergencies).

• Cardiac rehabilitation, occupational therapy, physical therapy
• Pulmonary rehabilitation, speech therapy
• Basic: Up to 20 days per year
• Premium: Up to 30 days per year

Must be prescribed and start within one month of a covered hospital stay.

6-month waiting period applies. Psychiatry and talk therapy require Prior Approval. No waiting period for life-threatening emergencies.

6-month waiting period for contact lenses and frames. Not covered: LASIK/eyesight correction surgery, hearing aids.

12-month waiting period (no waiting period for severe complications/emergencies). Not covered: birth assistants (doulas).

• Routine checkups and professional cleaning
• Bridges, crowns, dentures, endodontics (root canals)
• Tooth extractions, fillings, inlays and onlays

12-month waiting period for bridges, crowns, dentures, inlays, onlays (waived if caused by documented accident). Not covered: whitening, implants, orthodontics (braces, Invisalign).

• General health checkups and routine screenings (eye, ear, hearing)
• Cancer screening, colonoscopy, Pap tests, ultrasounds
• Laboratory tests: blood glucose, cholesterol, STI tests, triglycerides
• Vaccinations: hepatitis, malaria, rabies, tetanus, yellow fever

Not covered: genotyping (DNA testing for inherited health risks).

• Acupuncture, chiropractic care, homeopathy
• Therapeutic massages, osteopathy

Must be prescribed or obtain Prior Approval. Not covered: Traditional Chinese Medicine.

Yes, if you choose the 'worldwide (including Canada & USA half-year)' region. Coverage is limited to 182 consecutive days per visit (with 91+ day absence requirement between visits) and has lower annual limits — €250,000 on Basic, €500,000 on Premium — than other countries.

Yes, provided you disclosed complete and accurate information during your application and the insurer didn't explicitly exclude them. Any individual exclusions are noted on your Certificate of Insurance. After 10 years of continuous coverage, even undisclosed conditions may be covered if they didn't cause or affect the claim.

Yes. Official pandemic and epidemic declarations do not affect your coverage. COVID-19 treatment is covered like any other illness under both Native and Traveler plans.

Yes — you can choose any licensed healthcare provider worldwide, subject to your regional coverage selection. For hospitalization, the hospital must coordinate with MCI Assist Emergency Assistance for direct payment. For outpatient care, you pay upfront and submit for reimbursement.

Premium plan covers comprehensive maternity care — prenatal checkups, ultrasounds, midwives, childbirth (hospital, birthing centre, or home), and postnatal care — after a 12-month waiting period. Basic plan covers only life-threatening complications and medically necessary termination. No waiting period applies for severe complications.

Only on the Premium plan. It includes professional cleaning (€200/year limit) plus restorative dental — crowns, bridges, fillings, root canals — with a €2,000 annual limit for all dental combined. A 12-month waiting period applies for crowns, bridges, dentures, inlays, and onlays (waived if caused by a documented accident).

Premium plan covers psychiatry visits and talk therapy (psychologist or psychotherapist) after a 6-month waiting period, with Prior Approval required. Both plans cover psychiatric hospitalization for acute mental health crises with no waiting period for life-threatening emergencies.

Yes, when prescribed as part of covered treatment. If a generic equivalent is available, Genki covers up to the generic price. Medications must be prescribed by a licensed doctor as part of a covered condition.

Yes — including skiing, snowboarding, backcountry sports, surfing, and most adventure activities. Exceptions: professional sports where you're regularly compensated, motorcycle/quad injuries if the driver isn't wearing a helmet, and driving without a valid licence where one is required.

Via the Member Center at you.genki.world. Upload the itemized invoice (must include date, provider name/address, your name, service descriptions, and amounts) plus supporting documentation. For costs over €2,000, submit a cost estimate at least 5 days before treatment for pre-approval — failing to do so reduces reimbursement to 50%. Reimbursements are typically processed within days.

Typically days to a few weeks — significantly faster than traditional international health insurers. Reimbursement is paid in EUR to your bank account, with non-EUR costs converted at the ECB exchange rate on the invoice date.

After the first insurance year, you can cancel monthly — effective on the day before your monthly anniversary. Earlier cancellation is possible if you obtain qualifying local health insurance (statutory, employer-sponsored, Canadian provincial, or ACA-compliant US insurance). You can also cancel within 2 months of an age-based price increase.

Yes. Contact Genki customer support to arrange the switch. Genki Traveler covers up to 1 year with emergency-focused cover; Native provides indefinite comprehensive cover. A health review may be required depending on any coverage gaps between plans.

Travel insurance covers emergencies during short trips (typically days to months) and includes benefits like trip cancellation and lost luggage. Genki Native is comprehensive international private medical insurance (IPMI) for indefinite coverage — including routine care, preventive care, chronic conditions, maternity, dental (Premium), and more. It does not include trip cancellation, baggage, or evacuation cover.

Different models entirely. SafetyWing Nomad Insurance is subscription-based travel insurance — emergency-focused, lower limits, auto-renews monthly. Genki Native is true IPMI with comprehensive coverage including routine care, dental (Premium), higher annual limits (€1M Basic / unlimited Premium), and indefinite coverage. Genki Native is better for long-term nomads who want full health coverage beyond emergencies.

Genki Native offers comparable comprehensive coverage at typically lower premiums, with more flexibility for nomadic lifestyles. Unlike traditional expat insurance, there's no 'home base' country requirement, 100% digital management, and no complex policy period structures. Genki is particularly suited to people who move between countries frequently.

Possibly — but you must verify with the specific country. Some EU/EEA countries require insurance from a locally-based provider or local statutory insurance. Genki Native meets many requirements but is not guaranteed to satisfy all visa conditions. Check with the relevant embassy or immigration authority.

No. Genki Native does not qualify as substitutive health insurance under §146 VAG and does not meet Germany's mandatory health insurance requirement (Krankenversicherungspflicht). If you are tax-resident in Germany, you will still need to arrange statutory or qualifying private health insurance.

You must be 55 or under on your start date. Once enrolled, there is no maximum age — coverage continues indefinitely as long as premiums are paid. Premiums adjust at certain age thresholds but you are never forced to leave due to age.

Yes — from birth, provided you (the parent) held coverage for 3+ months before the birth and you request enrolment within 2 months of birth. No waiting periods apply to the newborn. A birth certificate is required. The child cannot have more coverage than the insured parent.

Squarelife Insurance AG, based in Ruggell, Liechtenstein, regulated by the Financial Market Authority Liechtenstein. Genki (Genki UG, Cologne, Germany) is the insurance agent and policy administrator. Emergency assistance is provided by MCI Assist. The policy is governed by German law (Versicherungsvertragsgesetz — VVG).