Coverage Limits: Understand what medical expenses are covered, including hospitalization, emergency care, doctor visits, medications, and medical evacuation. Genki Native Premium covers both outpatient and inpatient medical costs, including repatriation to your home country without a maximum coverage limit. Prescribed medication, tests, examinations, medical aids, and materials are also included. Additionally, with Genki Resident Premium, you're covered for preventive care (checkups and vaccinations) and alternative treatments (chiropractic, osteopathy, massages, homeopathy e.g.)

Pre-existing Conditions: Some insurance plans may exclude coverage for pre-existing medical conditions. Genki Resident can cover some pre-existing conditions, however, when starting your application you will need to submit a medical questionnaire to inform about your recent medical history. The acceptance of any preconditions will depend on the assessment from the insurer. If you wait to be sick or get into an accident before purchasing insurance, you need to know that no travel health insurance will cover treatments for emergencies that happen when you're not yet insured.

Travel Destination: Different regions may have varying healthcare costs and quality. Ensure that the insurance provides coverage in the countries you plan to visit. Genki Resident Premium offers worldwide coverage, meaning all countries are included, however, coverage in the USA & Canada is limited to 30 days with a limit of 250.000€ per insurance year and limited to accidents and emergencies only. What is covered (and not covered) by Genki Native?

Duration of Coverage: Determine how long the insurance coverage lasts and if it aligns with the duration of your trip. Some plans may have limits on the length of coverage per trip or year. Genki Native offers insurance without a term period, meaning, you can keep the insurance for your entire life. The minimum subscription time is 12 months. You can cancel the insurance after 12 months on a monthly basis without any extra fees.

Emergency Assistance Services: Check if the insurance includes 24/7 emergency assistance services, such as a helpline for medical emergencies, coordination of medical care, and medical evacuation if necessary. Genki Native offers a 24/7 emergency hotline that will cover inpatient (hospitalization) expenses by direct billing with any hospital in the world.

Policy Exclusions: Review the policy exclusions carefully to understand what circumstances and treatments are not covered by the insurance. Learn more about the restrictions and exclusions in this article: What is covered (and not covered) by Genki Native?

Repatriation Coverage: With Genki Native you can request medical transport to a different country from where the emergency or accident first occurred, with prior approval from the insurer (Squarelife).

It's possible to request medical repatriation back to your country of citizenship or country of expatriation.

Coverage continues after the return transport. The insurance is not terminated contrary to many International or travel health insurance in the market.

Adventure Activities Coverage: If you plan to engage in adventure sports or activities, ensure that the insurance covers any potential injuries related to these activities. Genki Native offers coverage for all sports and activities without exception. The only exclusion is professional sports, meaning, if you receive any monetary compensation for participating in the sport then it's not covered.

Policy Cost: Compare the cost of different insurance plans while considering the coverage provided. Cheaper plans may offer less coverage or have higher deductibles.

Claim Process: Understand the procedures for filing a claim, including documentation requirements and claim processing times. With Genki Native, you can submit a claim through an online claim form in the Member Center the documents must include information about the diagnosis, treatment, period of treatment, and cost.

Provider Network: Some insurance plans may have a network of healthcare providers where you can receive discounted rates or direct billing.

Policy Renewal and Cancellation: Know the terms for renewing or canceling the policy if your travel plans change. Genki Native offers insurance without a term period, meaning, you can keep the insurance for your entire life. The minimum subscription time is 12 months. You can cancel the insurance after 12 months on a monthly basis without any extra fees.

Customer Reviews and Reputation: Research the insurance provider's reputation, read customer reviews, and check if there have been any complaints about claim denials or delays. You can check our reviews in Trustpilot.

Travel Alerts and Advisories: Stay informed about travel advisories and alerts for your destination, as these could affect your coverage or travel plans. Genki Resident offers worldwide coverage, all countries included, you don't need to worry about travel alerts or restrictions.