Genki Native is an International health insurance that can offer you life-long coverage as there is no maximum time limit for the contract.
Payments are charged monthly by credit or debit card and the minimum insurance period is 12 months.
After the minimum insurance period of 12 months, it's possible to request the cancellation of the insurance on a monthly basis.
Every country in the world is covered, there are no exceptions. Yes, even countries with travel warnings.
There is no maximum limit for the amount of time you can stay in any country abroad. You can stay and be covered in any country abroad as long as you keep the insurance active without ever needing to go back to your home country.
Genki Native has two variants (The Genki Native Basic and Genki Native Premium) so you can decide to save some money by leaving some benefits out of your coverage.
What is included with each variant?
There is no overall maximum coverage limit with Genki Native Premium. That's right! This means it doesn't matter how much a covered treatment costs, it will be covered no matter how high the price.
Genki Native Basic coverage extends to 1.000.000€ per insurance year.
All types of accidents, emergencies, and common medical ailments.
Sports injuries (all sports are included without exception!).
Free choice of doctors and hospitals (for outpatient and inpatient care).
Telemedicine.
Direct payment to hospitals when hospitalization is needed.
Both variants include:
Accidents & Emergencies
Any type of illness and ailment
Chronic conditions (including cancer & diabetes. Preconditions need prior approval during application)
Outpatient medical treatment (regular doctor visits and examinations)
Inpatient medical treatment (hospitalizations and surgeries)
You can choose any doctor, clinic, or hospital in the world
Direct payment to any hospital for inpatient care
Transport to and from specific Outpatient treatments
Emergency transport to the nearest suitable hospital(by road, air, water, or rail ambulance)
Transport to another country for medical reasons (for serious surgeries or long-term recovery) with prior approval
Transport of mortal remains to another country with prior approval
Outpatient & inpatient care includes:
Medical treatments, consultations, procedures, and any related expenses
Organ transplants
Prescribed medication, medical materials, and aids
Physiotherapy (if prescribed)
Palliative care
Rehabilitation
20 days per insurance year with Genki Native Basic
30 days per insurance year with Genki Native Premium
Second Doctor's opinion (needs prior approval)
Inpatient care also includes:
Accommodation & meals
Blood bag transport (organized by the hospital)
Any medically necessary treatments and procedures, including surgeries
Life-sustaining medical devices
Inpatient psychiatric care
Additionally with Genki Native Premium:
Hospitalizations:
Single-room accommodation
Home nursing care (only medically necessary care, and only after an inpatient stay at the hospital or as a replacement)
Additional bed for one parent (during an inpatient stay of a child)
Babysitting for your children (organized by you) with a limit of 45€ per day for 7 days
Preventive care includes checkups, vaccinations, preventive examinations, and tests, with a limit of 250€ per insurance year.
Alternative care includes osteopathic, chiropractic, massages, and homeopathy with a limit of 500€ per insurance year.
Dental care includes pain relief treatments, fillings, inlays, onlays, bridges, crowns, dental cleanings, extractions, checkups, and other medically necessary treatments. Waiting periods will apply to certain treatments.
Maternity care is covered after a 12-month waiting period and includes prenatal checkups, ultrasounds, first-trimester screening, amniocentesis, childbirth, and postnatal care.
Vision care is also covered, and it includes checkups, glasses, and contact lenses up to 250€ per insurance year.
Inpatient and outpatient psychotherapy (with prior approval)
The Genki Native offers a very comprehensive coverage and package of benefits, but like any insurance, it has its limits and exclusions.
Professional sports (if you're earning any compensation for participating in a sport, any resulting injuries will not be covered).
Active participation in war (Consequences of actively participating in war activities aren't covered. Passive activities like a journalist reporting from a war zone are covered).
Non-medical travel-related costs (The Genki Native is a high-quality international health insurance so it covers medical benefits and none other. Trip cancellation, trip interruption, flight delays, lost luggage, loss due to theft or burglary, and personal liabilities aren't covered. We recommend you check Air Help to request any compensation related to flights and trip cancellations.
Lifestyle products (e.g. potency, hair growth, weight reduction products) contraceptives, nutrients and tonics, vitamins, cosmetics, and similar products are not covered.
Deductible
You can reduce your monthly premium by adding a deductible to your insurance. In that case, the insurance will only cover costs after you reach the deductible amount. The deductible options are:
€1,000 per insurance year
€500 per insurance year
Deductibles are only applied for outpatient care.
Inpatient care (hospitalizations) will be fully paid without any deductible being applied.
There is no overall waiting period apart from a few benefits:
Inlays, onlays, bridges, crowns, and dentures have a 12-month waiting period, except if they are medically necessary as a result of an accident event. All of the above-mentioned benefits are covered by Genki Native premium only.
All maternity benefits, including childbirth, have a 12-month waiting period. Any sudden complications that put the mother or child at risk will still be covered without a waiting period.
Preventive care (checkups, vaccinations e.g.) is covered by Native Premium only and has a 250€ limit of coverage per insurance year.
Alternative care (Osteopathy, chiropractic, massages, acupuncture, homeopathy) is only covered by Native Premium and has a limit of coverage of 500€ per insurance year.
Dental care is only covered by Native Premium with a maximum coverage limit of 2.000€ per insurance year. Professional dental cleanings are limited to 200€ per insurance year.
Vision care is only covered by Native Premium (except for prescribed examinations)
Glasses and contact lenses coverage is limited to 250€ per insurance year.
Inpatient and outpatient psychotherapy are only covered by Native Premium (any treatment requires prior approval).
Maternity benefits are only covered by Native Premium with a 12-month waiting period.
Transportation to a different country for treatment can be covered but only with prior approval from the insurer.
You can check the full information in the Insurance Conditions and Table of Benefits.
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 🌱