When it comes to selecting health insurance for your time abroad, understanding the differences between Genki Traveler (travel health insurance) and Genki Native (international health insurance) is crucial. Both provide global coverage, but they are meant for different scenarios, depending on how long you'll be abroad and whether you still have long-term healthcare coverage elsewhere.
Learn more about Genki Traveler if you're looking for short to mid-term medical insurance.
If you're looking for long-term insurance learn more about Genki Native.
1. Duration and Coverage:
Genki Traveler: suitable for shorter periods, with a maximum contract duration of 1 year and no automatic renewal. In your home country, coverage is limited to medical emergencies that start within 6 weeks of your arrival, provided you were outside your home country for at least 4 weeks before returning.
Genki Native: ideal for long-term living abroad, with no time limit on the contract. In your countries of nationality (except the USA):
Premium: full coverage with no time restrictions
Basic: full coverage for up to 182 days per visit, provided you spent at least 91 consecutive days outside that country before arriving
2. Pre-existing Conditions:
Genki Traveler: does not cover pre-existing conditions. This includes any condition for which you had symptoms, medical advice, a diagnosis, or treatment within the year before your start date, as well as known chronic or congenital conditions.
Genki Native: may cover some pre-existing conditions if approved by the insurer, based on a medical questionnaire completed at application. Genki Native is open to new members up to age 55, with no age limit once covered.
3. Coverage Period for Treated Conditions:
Genki Traveler: covers conditions that start during the insurance period, but only until the contract ends (maximum 1 year). Conditions treated under a previous contract are considered pre-existing and are not covered under a new Genki Traveler contract.
Genki Native: provides continuous coverage for covered conditions, with no time limit, for as long as your insurance remains active.
4. Coverage Scope, Alternative Treatments, and Preventive Care:
Genki Traveler: focuses on acute and immediate health needs. It does not cover alternative treatments or preventive care.
Genki Native: offers comprehensive long-term coverage. With Genki Native Premium, this includes:
Alternative care: acupuncture, chiropractic, homeopathy, massages, and osteopathy (up to €500 per insurance year)
Preventive care: checkups, screenings, and vaccinations (up to €500 per insurance year)
Physiotherapy is covered under Rehabilitation Care in both Basic and Premium.
In short
If you're planning a short to mid-term trip and need coverage while traveling, especially if you still have some healthcare coverage back home, Genki Traveler is a suitable choice.
If you're settling abroad for an extended period and want comprehensive coverage, including in your home country, as well as alternative treatments and preventive care, Genki Native is the preferred option.
If you have any more questions don't hesitate to drop us a message through our chat here on the website or email us at help@genki.world.