If a monthly payment for your Genki insurance fails, your insurance isn't immediately cancelled — but it does need to be resolved promptly to keep your coverage active. This article explains what happens after a failed payment, how to fix it, and what to do if the issue isn't resolved in time.
✅ The quick fix
If your payment has just failed, here's the fastest way to resolve it:
1️⃣ Go to the Member Center → Your Data → "Invoices".
2️⃣ Click on the open invoice.
3️⃣ You'll see a payment link — click it.
4️⃣ You'll be redirected to a page where you can complete the payment with your existing card, switch to a new card, or use another method like Revolut Pay, Google Pay, iDEAL, or Bancontact.
Once the payment goes through, your invoice is settled and your insurance continues without interruption.
📌 Why payments fail
The two most common causes are:
Insufficient funds on the card or account used for the subscription
The bank blocked the transfer — usually due to security checks, transfer limits, or restrictions on recurring international payments
Less common, but worth checking:
The card has expired or was replaced by the bank
The billing address or card details changed
The card is from a region where transactions are currently restricted (see How can I pay for Genki insurance? for the full list of accepted cards and regions)
If you suspect your bank is blocking the payment, the best course of action is to contact your bank directly. Ask them to allow recurring payments to Genki and to lift any transfer limits.
⚠️ What happens if you don't resolve the failed payment
When a payment fails, Genki will automatically retry the charge over the following days, and you'll receive email notifications asking you to settle the open invoice.
If the invoice remains unpaid after the retry window, your insurance may be terminated due to non-payment. This means:
Your coverage ends as of the last day of the period you successfully paid for
Any treatment received after that date is not covered
The open invoice from the unpaid period still has to be settled, even after termination
To avoid this, the safest approach is to settle the open invoice as soon as you receive the first failed-payment email.
If your insurance has already been terminated due to non-payment, see Reactivating insurance after termination for non-payment for what's possible and what to expect.
🔄 Updating your payment method
If your card has expired, been replaced, or you simply want to use a different one going forward, you can update it from the Member Center under Your Data.
To update your card (e.g. new expiry date, new card number from the same bank): you can do this anytime, directly from the Member Center.
To switch to a different payment method (e.g. from card to Revolut Pay, Google Pay, iDEAL, or Bancontact): this option is only available after a payment fails, through the open-invoice payment link described above.
For more details, see How to update your payment method.
💡 Tips to avoid failed payments
Note the day of the month when your monthly billing happens (usually the same day each month, matching your insurance start date). For details on billing cycles, see Understanding your invoices, billing date, and renewal cycle.
Make sure the card you used at sign-up has enough funds available a few days before the billing date
Keep your card details up to date in the Member Center, especially if your bank has reissued your card
If you travel a lot, let your bank know — some banks block recurring international charges as a fraud-prevention measure
Need help with a failed payment? Our support team is here for you by chat or email at [email protected].