ℹ️ This article describes the current Genki Native conditions (version "1 September 2026"), launched in late September 2026.
They apply to customers who started their application once this version was live. If your insurance started earlier, your current conditions stay in place until the start of your new insurance year, when the new conditions are applied automatically. We'll email you before this happens.
Your Insurance Conditions in the Member Center show which version applies to you.
To see what changes for you, check the article "What's changing in Genki Native?". If you have any questions, contact us at help@genki.world.
Genki Native is an international health insurance designed for long-term global living, with no maximum contract duration.
🕒 Eligibility & Duration
You can sign up for Genki Native if you are 55 or younger on your start date.
This is an entry age only. Once your contract starts, there is no maximum age, and you can keep your coverage for as long as you want, for the rest of your life if you wish.
Minimum insurance period: 1 month. After that, you can cancel monthly.
🌍 Global Coverage
All countries are covered, including those with travel warnings.
You can stay abroad as long as you want, with no requirement to return home.
Specific conditions apply in your countries of nationality (Genki Native Basic) and in the USA. See the article Where am I covered with Genki Native?.
💳 Payment
You pay premiums monthly by credit or debit card (other payment methods are also available).
🧾 Plan Options: Basic vs. Premium
Genki Native Basic
Up to €1,000,000 coverage per insurance year
Genki Native Premium
Up to €3,500,000 coverage per insurance year
More extensive benefits (see below)
Specific benefits and countries may have their own limits, waiting periods, or coverage conditions.
✅ Shared Benefits (Both Plans)
Accidents & emergencies
Illnesses and ailments
Outpatient medical treatment, including doctor visits and examinations
Inpatient medical treatment, including hospitalizations and surgeries
Free choice of doctors, clinics, and hospitals worldwide
Direct payment to hospitals for inpatient care, coordinated by the Emergency Assistance
Ambulance transport to the nearest suitable medical facility, when medically necessary
Family hospital visits: if you have a covered hospitalization due to a life-threatening emergency, a family member's trip and accommodation are covered up to €5,000 per insurance year
Prescribed medication: brand-name medication is covered up to the cost of the generic alternative, or fully if no generic alternative exists
Medical materials
Medical aids: crutches up to the cost of a basic model; walkers and wheelchairs for rental only
Rehabilitation Care, including physical therapy: up to 20 days per insurance year (Basic) or 30 days (Premium)
Palliative care
Organ transplants
Second medical opinion (prior approval required)
Telemedicine
Doctor house calls, in a life-threatening emergency only
🏥 Inpatient Care Includes
Hospital accommodation: shared room (Basic) or single room (Premium)
Medically necessary treatments, surgeries, and devices
Psychiatric hospitalization (6-month waiting period, except in a life-threatening emergency)
🔝 Additional Benefits with Genki Native Premium
Single-room hospital accommodation
Home nursing care (prior approval required)
Parent bed for hospitalized minors (prior approval required)
Babysitting: €45 per day for up to 7 days
Preventive care (checkups, screenings, vaccinations): up to €500 per insurance year
Alternative care (e.g. osteopathy, chiropractic, acupuncture): up to €500 per insurance year
Dental care, including implants: up to €3,000 per insurance year (professional cleaning up to €200)
Vision aids (frames, lenses & contact lenses): up to €250 per insurance year combined
Psychiatry and talk therapy (prior approval required)
❌ Not Covered
Professional sports (earning compensation)
Active participation in war
Travel issues (trip cancellation, delays, baggage loss, etc.)
Lifestyle & cosmetic products (e.g. hair growth, vitamins, cosmetics)
Contraceptives, tonics, and non-medical wellness
Orthodontics and teeth bleaching
Treatment that was a reason for coming to a country, or that was already needed or foreseeable before you arrived there
💰 Deductibles
You can reduce your premium by choosing a deductible:
€1,000 / year
€500 / year
The deductible applies to all costs except hospitalization. Hospitalization is always covered without a deductible.
More details: see the article Deductibles with Genki Native.
⏳ Waiting Periods
There is no general waiting period, but some benefits have their own:
Preventive care (Premium): 3 months
Dental checkups, cleaning, endodontics, extractions, fillings & periodontics (Premium): 3 months
Dental bridges, crowns, dentures, implants, inlays & onlays (Premium): 12 months
Vision aids (Premium): 6 months
Mental health care: 6 months, except in a life-threatening emergency
Maternity care: 12 months; life-threatening complications have no waiting period
Treatment in the USA: 3 months
Dental waiting periods do not apply when treatment is needed due to an accident proven by a doctor or police report.
More details: see the article Waiting period with Genki Native.
📄 For full details, check the Insurance Conditions and Table of Benefits.
If you have any questions, don't hesitate to drop us a chat message or email at help@genki.world.
Interested in Genki Native?
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