Genki Explorer offers you worldwide coverage, all countries included without any restrictions regarding traveling warnings.
Yes, you can start your Genki Explorer insurance if you've already started your trip or if you are already living outside your home country.
You can start your insurance as early as tomorrow.
Genki Explorer was made flexible for any frequent travelers as digital nomads who benefit from insurance without country barriers and no time limit for each country stay, apart from the maximum overall contract limit which is 2 years.
This is what you should know when starting your Genki Explorer insurance:
Any medical conditions for which you received treatment or medical advice during the previous 6 months until the start of the insurance will not be covered as they’re considered pre-existing conditions. This includes any type of regular medication.
There is an initial 14-day waiting period where coverage is limited to accidents and life-threatening emergencies. You can check how you can skip the waiting period in our article “Waiting period with the Genki Explorer”.
If you are still in your home country until the insurance start date, you can also skip the waiting period but coverage will only start once you leave your home country.
There is no specific network of doctors you need to choose from. You can choose any doctor, clinic, or hospital in the world by yourself. Public or private.
You do not need to show any documents or insurance cards to the doctor during your consultation.
There are two options in terms of how to get your medical costs paid for any type of doctor visit, tests, or examinations that do not require you to stay overnight at the hospital:
If you choose the doctor/clinic by yourself (you’re completely free to choose your favorite doctors near you) you will need to pay all the expenses upfront and keep the invoices and medical reports (the documents must include information about the diagnosis, treatment, period of treatment, and cost). After, you can access our Member Center under “Compensation” and follow the instructions to submit a claim for the payment of your medical costs directly to your bank account. Remember, if you have insurance with a €50 deductible the same will be deducted from the total amount of your bills. The 50€ deductible is only applied once per insurance, so you won’t have to pay €50 for each medical visit related to the same treatment.
If you need help with finding a doctor at your location, or if you prefer to have a telemedicine consultation instead of an in-person consultation, you can use the Air Doctor app. Air Doctor will allow you to find local doctors in almost all countries in the world to schedule outpatient visits and follow-up examinations and treatment for many different specialties, not only general practitioners. You can also choose to book telemedicine consultations in multiple languages and get prescriptions from local doctors online. The best part? Any consultations booked through the Air Doctor will be paid directly by us to the clinic or doctor, so you don’t have to pay the costs upfront and file any claims for reimbursement. The local offer of doctors and clinics will change by location.
If you get into an accident or suffer a sudden severe illness that requires an emergency overnight hospital stay the most important thing to do first is to contact the local emergency services so they can transport you to the nearest suitable hospital.
Once at the hospital, you should receive the necessary urgent care, and once you’re able you can request the hospital to contact our 24/7 hospital assistance:
Phone: +49 2247 922-5014
Email address: [email protected]
(The hospital can also write an email, provide their phone number, and ask for a call back)
In the alternative, if you have a family member or friend, they can act on your behalf and give instructions to the hospital staff about how to proceed.
The assistance needs the following information ready:
Name and date of birth of the insured person
Name and phone number of the attending physician/hospital
The (suspected) diagnosis
Date of the accident or when the illness has started
Name and phone number of the contact person on site (e.g. you), if there is one
Mention that they are contacting them regarding insurance PWT-120001 provided by DR-WALTER in partnership with Genki
The payment for hospitalizations will be made directly to the hospital, so you don’t have to pay any costs upfront.
For emergency hospital overnight stays (inpatient visits) and planned surgeries please check our article: "I have a hospital emergency. Who should I contact?".
Please, if the treatment does not require hospitalization do not contact the emergency assistance and follow the procedures described in the article: I'm feeling sick. How can I use my insurance?".
Still have questions? Drop us a chat message or email at [email protected]