Please note that our support cannot provide upfront confirmation or guarantees of coverage. All coverage decisions are made by Squarelife, the insurer and claims manager, after reviewing the full medical documentation submitted through a claim. This is why claims must be processed through the system. 🔍
✅ What's Covered
Genki Traveler covers new and acute illnesses or accidents that occur during your insurance period and require medically necessary treatment.
🩺 "Medically necessary" means the treatment is:
✔ Needed to diagnose or treat your condition
✔ Consistent with your symptoms and diagnosis
✔ The most appropriate level of care
✔ Performed for an appropriate duration
💳 Outpatient Treatment (Doctor Visits, Tests, Procedures)
For outpatient care, you typically pay the costs upfront and then submit a claim for reimbursement. Your invoice must include:
✔ Your name
✔ Diagnosis
✔ Detailed breakdown of medical services
✔ Treatment costs
⏳ Pre-Notification for High-Cost Treatments
For treatment with expected costs of €1,000 or more, the itemized cost estimate must be submitted at least 5 days before starting the treatment or incurring the costs.
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.
This is a pre-notification, not a pre-approval — Squarelife will still assess the final coverage after the claim is submitted with full documentation. If this isn't done, only 50% of the eligible costs will be reimbursed.
🚨 In Emergencies
For outpatient medical emergencies where you can't notify 5 days in advance, contact Emergency Assistance as soon as possible for a quick response.
📌 Additional Notes
Coverage confirmation can only be provided once all medical documentation has been reviewed by Squarelife.
Pre-existing conditions and preventive care are not covered. 🚫
Home country coverage is limited to short-term emergencies only.
Always review your Product Information and Insurance Conditions in the Member Center for full details. 🧐
If you have any questions about coverage details, feel free to check your Member Center or contact us at help@genki.world. 😊