With Genki Traveler, you are free to choose any doctor, clinic, or hospital worldwide, whether public or private. However, certain outpatient treatments require prior approval from the insurer. Here's what you need to know:
📝 Pre-notification for outpatient treatment of €1,000 or more
If you expect outpatient treatment costs of €1,000 or more, you must send an itemized cost estimate to the insurer at least 5 days before starting the treatment.
This is a notification, not a request for approval:
You only need to send the cost estimate. You don't need to wait for a reply before going ahead with the treatment.
Sending it on time protects you from a reimbursement reduction. Whether the treatment is covered is assessed separately when you submit your claim.
⚠️ If you don't send the cost estimate in time, only 50% of what would otherwise be covered is reimbursed.
You can submit your pre-notification directly through our Claims Center.
Please follow these steps:
Log in to your Member Center and select "Compensation"
Select the subscription for which you want to submit the request.
In the Claims Center, select Notification of high costs
Click Create request.
In the message field, provide information about your medical condition and planned treatment.
Upload the relevant documents, including your itemized cost estimate and available medical documentation from your doctor or hospital.
Click Submit to send your request for review.
No pre-notification is needed for hospital stays managed by the Emergency Assistance, as they handle payments directly with the hospital.
✔️ Treatments requiring prior approval
For the following, you must get explicit approval from the insurer before the treatment:
Second opinion from another doctor
House calls (a doctor visits you), unless it's a medical emergency
Hospital visit of a family member during a hospital stay related to a life-threatening emergency
How to request pre-approval
Log in to your Member Center and select "Compensation"
Select the subscription for which you want to submit the request.
In the Claims Center, select “Confirmation of coverage.”
Click “+ Create request.”
Describe your medical condition and the proposed treatment or benefit.
Upload the relevant medical documentation from your doctor or hospital.
Click “Submit.”
You don't need prior approval if the Emergency Assistance has already confirmed the coverage.
🚫 Elective procedures are not covered
Genki Traveler does not cover elective procedures. An elective procedure is one that, based on medical standards, can safely wait without meaningful risk of complications or deterioration, including after you are discharged from the hospital and the procedure is rescheduled.
Whether a procedure is elective depends on how urgent your medical condition is. It does not depend on:
Whether the treatment is medically necessary
Your travel plans
Your doctor recommending it now
The question is whether it could safely wait.
This means planned or scheduled procedures that can safely wait, for example until you return home or are back under your regular health coverage, are not covered. The insurer decides based on the medical documentation for your case.
💳 Reimbursement Process:
Go to the Member Center under "Compensation".
Follow the instructions to submit your claim for reimbursement directly to your bank account.
€50 deductible will be deducted from the total bill for the same treatment.
For more details on the required documentation, visit: What type of documentation is necessary to make a claim.
🕑 Claim Processing:
The insurer, Squarelife, will contact you directly by email once they start working on your claim. The current average first response time is 2–4 business days.
If your claim is accepted, you'll receive a payout link by email within 24 working hours of the acceptance confirmation.
If Squarelife asks for more documents, processing continues once they receive them.
If you have any questions regarding a claim, feel free to contact Squarelife directly at genki@squarelife.eu.
📄 For full details, check the Insurance Conditions
If you have any questions, don't hesitate to drop us a chat message or email at help@genki.world
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