Genki Traveler covers medically necessary care for unexpected illnesses and injuries. Planned procedures that can safely wait are not covered.
🚫 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
A doctor recommending the treatment now does not, on its own, make it urgent.
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.
🏥 If you're admitted to hospital
For any hospital stay, the hospital must contact our Emergency Assistance (MCI) before admission, or as early as possible in an emergency.
MCI coordinates coverage and payments directly with the hospital, so you usually don't need to pay upfront.
If a procedure is proposed during your stay, MCI will review with the insurer whether it's covered.
📞 Phone: +34 911 599 948
📧 Email: genki@mciassist.com
You can also find the contact details in the Member Center under "Help."
💡 Looking for coverage for planned treatment?
If you need more extensive long-term coverage, have a look at Genki Native.
📄 For full details, check the Insurance Conditions.
If you have any questions about coverage details, feel free to check your Member Center or contact us at help@genki.world for more information! 😊