Genki Native: Your Comprehensive International Health Insurance
Genki Native is an international health insurance designed for long-term global living, offering flexible and complete coverage with no maximum time limit.
🕒 Duration & Cancellation
No maximum duration — lifetime coverage possible.
Minimum insurance period: 12 months.
After 12 months, you can cancel monthly.
🌍 Global Coverage
All countries are covered — including those with travel warnings.
You can stay abroad as long as you want — no return-to-home requirement.
💳 Payment
Premiums are paid monthly via credit or debit card (different payment methods also available)
🧾 Plan Options: Basic vs. Premium
Genki Native comes in two variants so you can choose your level of benefits:
Genki Native Basic
€1,000,000 maximum coverage per insurance year
Genki Native Premium
No overall maximum coverage limit
More extensive benefits (see below)
✅ Shared Benefits (Both Plans)
Accidents & emergencies
Chronic conditions (e.g. cancer, diabetes — approval needed during application)
Outpatient and inpatient medical care
Direct payment to hospitals for inpatient care
Worldwide free choice of doctors and hospitals
Emergency and medically necessary transport
Prescribed medication, treatments, and aids
Physiotherapy (if prescribed)
Palliative care
Organ transplants
Telemedicine
🏥 Inpatient Care Includes
Accommodation & meals
Medically necessary treatments, surgeries, and devices
Psychiatric inpatient care
Second medical opinion (with prior approval)
🔝 Additional Benefits with Genki Native Premium
Single-room hospital accommodation
Home nursing care after hospitalization
Preventive care (checkups, vaccinations, etc.) — up to €250/year
Alternative care (e.g. osteopathy, chiropractic) — up to €500/year
Dental care — up to €2,000/year (cleanings up to €200/year)
Vision care (glasses, contacts) — up to €250/year
Maternity care (after 12-month waiting period)
Inpatient & outpatient psychotherapy (prior approval needed)
❌ 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
💰 Deductibles
You can reduce your premium by choosing a deductible:
€1,000 / year
€500 / year
Deductibles only apply to outpatient care
Inpatient care is always covered in full without deductible
⏳ Waiting Periods
12 months for maternity, major dental (inlays, crowns, bridges), and dentures
Preventive & alternative care: covered under Premium only, with limits
Vision, psychotherapy, and dental: Premium only
Emergency maternity complications are covered without waiting period
Cross-border treatment: covered with prior approval
📄 For full details, check the Insurance Conditions and Table of Benefits.
Need help? Our support team is here for you!
If you have any questions, don't hesitate to drop us a chat message or email at [email protected].
Interested in Genki Native?
Request a quote and speak with one of our product experts.
Stay healthy 🌱