Genki Native launched new insurance conditions (version "1 September 2026") in late September 2026. Customers who started their application once this version was live are insured under the new conditions from the start.
If your insurance started earlier, your current conditions stay in place until the start of your new insurance year. The new conditions are then applied automatically. You do not need to take any action. Your Insurance Conditions in the Member Center show which version applies to you.
We regularly review and update the insurance conditions to make the coverage easier to understand, address customer feedback, and keep the insurance benefits and costs balanced and sustainable over time.
Your monthly price may also change for the new insurance year. Before the change takes effect, we'll email you the effective date, your new monthly price, and a summary of the changes. If you do not wish to continue under the new conditions, you may cancel your insurance effective the date the changes take effect.
🔄 Waiting periods when moving to the new conditions
Waiting periods from the new conditions apply only to benefits that are new or extended. Waiting periods you have already completed do not start again.
Preventive Care: no new waiting period
Dental checkups, cleaning, endodontics, extractions, fillings, and periodontics: no new waiting period
Dental implants: newly covered, with a 12-month waiting period starting on the date the new conditions take effect for you
USA: your previous USA emergency coverage continues without a waiting period. A 3-month waiting period may apply to USA coverage that goes beyond your previous conditions.
The changes depend on the conditions you currently have. If you're not sure which conditions apply to you, contact us at help@genki.world.
If your current conditions are from before 1 July 2025
📅 Minimum Contract Period
Before: 12 months
New: 1 month. After that, you can cancel on a monthly basis.
📌 Overall Coverage Limit – Premium
Before: No overall yearly limit
New: €3,500,000 per insurance year. Genki Native Basic remains at €1,000,000 per insurance year.
🌍 Countries of Nationality – Basic (except the USA)
Before: Coverage was limited to 30 days per visit, life-threatening emergencies, and €250,000 per insurance year.
New: Full coverage for up to 182 days from arrival, provided you spent at least 91 consecutive days outside the country before arriving.
🇨🇦 Canada
Before: Coverage was limited to 30 days, life-threatening emergencies and transport to another country, and €250,000 per insurance year, shared with the USA.
New: These restrictions have been removed. Canada is covered like any other country, subject to standard country-of-nationality rules and applicable insurance conditions.
🇺🇸 USA
Before: Coverage was limited to 30 days, life-threatening emergencies and transport to another country, and €250,000 per insurance year, shared with Canada.
New: Coverage applies to a Medical Emergency, including eligible follow-up care, Repatriation for Care, and Repatriation of Mortal Remains.
The Medical Emergency must begin within 91 days of arrival, and you must have spent at least 91 consecutive days outside the USA before arriving.
Coverage continues until you are Fit to Travel, plus the following 10 days.
The USA limit is €250,000 (Basic) or €500,000 (Premium) per insurance year.
Follow-up care after you are Fit to Travel is limited to €12,500 (Basic) or €25,000 (Premium) per Medical Emergency, excluding repatriation.
🩺 Preventive Care – Premium
Before: Up to €250 per insurance year
New: Up to €500 per insurance year
🦷 Dental Care – Premium
Before: Up to €2,000 per insurance year
New: Up to €3,000 per insurance year. Dental implants are now covered within this limit.
🏥 Family Hospital Visits
New benefit: If you have a covered hospitalization due to a life-threatening emergency, a family member's trip and accommodation are covered up to €5,000 per insurance year.
💊 Brand-Name Medication
Before: Not covered when a generic alternative was available.
New: Covered up to the cost of the generic alternative. If no generic alternative exists, brand-name medication remains fully covered.
🦯 Medical Aids
Before: Crutches, walkers, and wheelchairs were covered without restrictions.
New: Crutches are covered up to the cost of a basic model. Walkers and wheelchairs are covered for rental only.
🏠 Doctor House Calls
Before: No specific conditions applied.
New: Doctor house calls are covered only in a life-threatening emergency.
👓 Vision Aids – Premium
Before: Separate €250 annual limits applied to contact lenses and to frames & lenses.
New: Frames, lenses & contact lenses share a combined €250 limit per insurance year.
📌 Deductible
The wording has been clarified: the deductible applies to all costs except hospitalization. Your coverage does not change.
✈️ Repatriation for Care
Before: Transport to another country for treatment required prior approval from the insurer.
New: The conditions have been rewritten to explain more clearly when transport to another country for treatment is covered and how it is arranged. You choose the destination from the countries you are connected to.
⚰️ Repatriation of Mortal Remains
The conditions have been rewritten more clearly. A Family Member chooses the destination country.
🚫 New Exclusion
Treatment is not covered if it was a reason for coming to a country, or if it was already needed or foreseeable before you arrived there.
If your current conditions are from 1 July 2025
📅 Minimum Contract Period
Before: 12 months
New: 1 month. After that, you can cancel on a monthly basis.
📌 Overall Coverage Limit – Premium
Before: No overall yearly limit
New: €3,500,000 per insurance year. Genki Native Basic remains at €1,000,000 per insurance year.
🇨🇦 Canada
Before: Coverage was limited to life-threatening emergencies for up to 28 days after arrival.
New: These restrictions have been removed, and you no longer need to select a region. Canada is covered like any other country, subject to standard country-of-nationality rules and applicable insurance conditions.
🇺🇸 USA
Before: Coverage was limited to life-threatening emergencies for up to 28 days after arrival.
New: Coverage applies to a Medical Emergency, including eligible follow-up care, Repatriation for Care, and Repatriation of Mortal Remains.
The Medical Emergency must begin within 91 days of arrival, and you must have spent at least 91 consecutive days outside the USA before arriving.
Coverage continues until you are Fit to Travel, plus the following 10 days.
The USA limit remains €250,000 (Basic) or €500,000 (Premium) per insurance year.
Follow-up care after you are Fit to Travel is limited to €12,500 (Basic) or €25,000 (Premium) per Medical Emergency, excluding repatriation.
🩺 Preventive Care – Premium
Before: Up to €250 per insurance year
New: Up to €500 per insurance year
🦷 Dental Care – Premium
Before: Up to €2,000 per insurance year
New: Up to €3,000 per insurance year. Dental implants are now covered within this limit.
✈️ Repatriation for Care
Before: Transport to another country for treatment required prior approval from the insurer.
New: The conditions have been rewritten to explain more clearly when transport to another country for treatment is covered and how it is arranged. You choose the destination from the countries you are connected to.
⚰️ Repatriation of Mortal Remains
The conditions have been rewritten more clearly. A Family Member chooses the destination country.
🚫 New Exclusion
Treatment is not covered if it was the reason for coming to a country, or if it was already needed or foreseeable before you arrived.
📄 For full details, check the Insurance Conditions and Table of Benefits.
If you have any questions, don't hesitate to drop us a chat message or email at help@genki.world.