💶 Deductible with Genki Resident
Genki Resident offers the option to add a deductible to reduce your monthly premium.
What is a deductible?
A deductible is the amount you must pay yourself per calendar year before the insurance starts reimbursing covered costs.
Example:
If you choose a €500 deductible and receive a medical bill of €1,500:
You pay the first €500
The insurance covers the remaining €1,000 (according to policy terms)
A higher deductible generally lowers your monthly premium but increases your out-of-pocket costs when you use the insurance.
Deductible options
With Genki Resident, you can choose:
€500 per calendar year
€1,000 per calendar year
No deductible
The deductible applies per calendar year (January–December).
⚠️ Important update (January 1, 2026)
The deductible does not apply to:
Preventive care
Professional teeth cleanings
These benefits are covered without being reduced by your deductible.
For all other covered treatments, the deductible applies unless explicitly stated otherwise in the policy.
You can find more details here:
👉 “What is covered (and not covered) by Genki Resident?”
Still have questions? 💬
Check more information about Genki Resident or speak with one of our product experts via chat.