🌍 What is covered (and not covered) by Genki Resident?
Genki Resident is international health insurance with no maximum contract duration. You can keep the coverage long-term as long as you continue paying your monthly premium.
Payments are charged monthly (credit or debit card).
Minimum contract duration: 12 months.
After 12 months, cancellation is possible monthly.
Every country worldwide is covered — including countries with travel warnings.
There is no maximum limit on how long you can stay abroad. You can remain in any country outside your home country as long as your insurance remains active.
💶 Coverage limits
There is no overall maximum coverage limit.
Covered treatments are paid in full according to the policy terms — regardless of how high the costs are.
Home country coverage: 180 days per calendar year, all benefits included.
🏥 What is covered
Genki Resident comes in two variants:
Genki Resident (Basic)
Genki Resident Premium
Below is an overview of the main benefits.
🚑 Accidents, emergencies & illnesses
All medically necessary outpatient and inpatient treatments
Sports injuries (all sports included — even extreme sports)
Free choice of doctors and hospitals
Telemedicine
Direct hospital payment for approved inpatient stays
🩺 Outpatient treatment
Medical consultations & procedures (e.g., dialysis, chemotherapy, colonoscopy)
Lab tests & imaging (X-ray, MRI, CT, PET, blood tests, etc.)
Medication & medical aids
Treatment of chronic conditions (e.g., cancer, diabetes, Crohn’s disease)
Alternative / holistic treatments
Physiotherapy
Osteopathy (max. 20 sessions/year)
Chiropractic (max. 20 sessions/year)
Acupuncture, TCM, homeopathy
Therapeutic massages
🏥 Inpatient treatment (hospitalization)
Medically necessary hospital stays
Surgeries (no cost limit)
Lab tests & diagnostics
Medication & medical aids
Inpatient rehabilitation
Home nursing care after ≥2 weeks hospitalization
(€200/day, max. €2,800/year)
🧠 Inpatient psychotherapy
Covered for up to 4 weeks per insured event.
(Updated January 1, 2026.)
🦷 Dental treatment
Included in both variants:
Emergency dental treatment
Extractions, fillings, root canals
Accident-related orthodontics (50%)
Updated January 1, 2026:
Dentures, crowns, bridges, implants, and jaw adjustments are now covered at:
70% of costs
Up to €7,500 per calendar year
Additionally with Premium:
2 professional teeth cleanings per year
Non-accident-related orthodontics (50%)
👁 Optical treatment
Medically necessary examinations
Premium only:
Glasses & contact lenses (up to €300 every 2 years)
LASIK (up to €2,000 per eye, after 2 years)
🧠 Mental health
Basic:
Emergency inpatient psychotherapy
Initial outpatient mental health sessions (up to 3)
Premium:
Full outpatient psychotherapy (no session limit)
🤰 Pregnancy & maternity
Covered (subject to waiting periods):
Prenatal check-ups
Childbirth
Postnatal care
Pregnancy complications
Medically necessary termination
Premium includes additional benefits (e.g., genetic screening, preparation courses).
💉 Preventive care (Premium only)
Preventive care is covered up to:
👉 €1,500 per calendar year
(Updated January 1, 2026.)
Preventive care details are now defined directly in the Consumer Conditions.
Includes:
Check-ups
Cancer screening
Preventive lab tests
Vaccinations
Extended prenatal screening
Important:
If you selected a deductible, it does not apply to preventive care or professional teeth cleanings.
(Updated January 1, 2026.)
🚑 Emergency transport & repatriation
Emergency medical transport (no maximum limit)
Search & rescue (up to €10,000/year)
Transport for outpatient procedures
Medical repatriation
If you request repatriation to your home country, your contract terminates upon arrival.
❌ What is not covered
Professional sports (if you receive compensation)
Active participation in war
Medical tourism
Non-medical travel costs (trip cancellation, luggage, liability, etc.)
Lifestyle products (cosmetics, vitamins, weight-loss products, etc.)
Coverage after voluntary medical repatriation
💶 Deductible options
You may choose:
€500 per calendar year
€1,000 per calendar year
The deductible applies to covered treatments unless explicitly excluded (e.g., preventive care).
⏳ Waiting periods
There is no overall waiting period.
Exceptions:
Childbirth: 10 months
Orthodontics (non-accident): 10 months (Premium)
Outpatient psychotherapy: 10 months (Premium)
LASIK: 2 years (Premium)
For full legal details, please refer to the Consumer Conditions and Table of Benefits.