Both Genki Explorer and Genki Resident cover any medically necessary treatments for both outpatient and inpatient.
However, there are fundamental differences in getting your costs covered depending if you require treatment while hospitalized or not.
What is the difference between outpatient and inpatient visits?
Outpatient:
Regular doctor consultations for non-emergency situations.
Clinic tests and examinations that don't require an overnight stay at the hospital
Regular check-ups and vaccinations
Inpatient:
Emergency hospitalization resulting from severe illnesses or accidents
Emergency or planned surgeries
Planned procedures that require an overnight stay at the hospital
It's important to understand the difference before starting your insurance because the procedure of requesting coverage for your medical costs will be different:
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.
You can find the online claim form and instructions on how to file a claim in the Member Center under "Compensation".
If hospitalization is required:
If you get into an accident or suffer a sudden severe illness that requires hospitalization the most important thing to do first is to contact the local emergency services so they can transport you to the nearest suitable hospital.
Contrary to many insurances which will restrict the number of hospitals you can visit depending on their local network, as a Genki member you can choose any licensed hospital or doctor in the world.
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.
Alternatively, if you have a family member or friend, they can act on your behalf and instruct the hospital staff on how to proceed.
The payment will be made directly to the hospital, so you don’t have to pay any costs upfront.
You can find the phone number of our 24/7 hotline and instructions in the Member Center under "Help".
The name of the assistance provider is MD Medicus (except in the US & Canada)
They need 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 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
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)
If your emergency happened in the USA or Canada, please contact Global Excel and follow the same procedure
Phone: +1 877 835-6243
Email address: assistance@globalexcel.com
(The hospital can also write an email, provide their phone number, and ask for a call back)
Have any questions? Drop us a message!