Genki Native offers you worldwide coverage, all countries included without any restrictions regarding traveling warnings.
Yes, you can start your Genki Resident insurance if you've already started your trip or if you are already living outside your home country.
You can start your Genki Native insurance as early as 7 days after completing your application.
With Genki Native, you can enjoy your insurance benefits in any country worldwide including in your country of citizenship, but:
With Genki Native Basic:
Cover in your country of citizenship is limited to 30 days and 250.000€ coverage per insurance year and is limited also to life-threatening emergencies & transport to a different country.
Coverage in the USA & Canada is also limited to 30 days and 250.000€ coverage per insurance year and is limited also to life-threatening emergencies & transport to a different country.
If your country of citizenship is the USA or Canada coverage will still be always limited to 30 days and 250.000€ coverage per insurance year and limited also to life-threatening emergencies & transport to a different country.
Autonomous US territories (Puerto Rico, Guam, the Northern Mariana Islands, American Samoa, and Minor Outlying Islands) do not belong on the same region of coverage as the USA.
With Genki Native Premium:
Cover in your home of citizenship is unlimited just as any other country abroad. You can stay as long as you choose without an overall maximum coverage limit. All benefits apply.
Coverage in the USA & Canada is still limited to 30 days and 250.000€ coverage per insurance year and is limited also to life-threatening emergencies & transport to a different country.
If your country of citizenship is the USA or Canada coverage will still be always limited to 30 days and 250.000€ coverage per insurance year and limited also to life-threatening emergencies & transport to a different country.
There is no maximum limit for the time you can stay in any country abroad. You can stay and be covered in any country abroad if you keep the insurance active without ever needing to return to your home country.
This is what you should know when starting your Genki Resident insurance:
Genki Native does not have an overall waiting period.
Coverage for both outpatient visits and inpatient, for any type of medical condition, mild or severe, starts from day one of the insurance.
Apart from that, there are just a few benefits that have waiting periods:
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.
Genki Native can cover pre-existing conditions, but each new applicant needs to submit a medical questionnaire when starting the application to report any ongoing and past conditions and treatments and the acceptance of coverage for any reported conditions will depend on the acceptance of the insurer, which is Squarelife.
There is no specific network of doctors you need to choose from. You can choose any doctor, clinic, or hospital in the world by yourself. Public or private.
You do not need to show any documents or insurance cards to the doctor during
your consultation.
What if I get sick and need to activate my insurance?
There is no specific network of doctors you need to choose from. You can choose any doctor, clinic, or hospital by yourself. Public or private.
You do not need to show any documents or insurance cards to the doctor during your consultation.
How it works:
You choose the doctor/clinic by yourself (you’re completely free to choose your favorite doctors near you) pay all the expenses upfront, and keep the invoices and medical reports (the documents must include information about the diagnosis, treatment, period of treatment, and cost). After, you can access our Member Center under “Compensation” and follow the instructions to submit a claim for the payment of your medical costs directly to your bank account. Remember, if you have insurance with a deductible the same will be deducted from the total amount of your bills.
If you need help finding a doctor at your location or prefer a telemedicine consultation instead of an in-person consultation, we recommend using the Air Doctor app. Air Doctor will allow you to find local doctors in almost all countries in the world to schedule outpatient visits and follow-up examinations and treatment for many different specialties, not only general practitioners. You can also choose to book telemedicine consultations in multiple languages and get prescriptions from local doctors online. The same procedure applies, you pay the invoice first and then file a claim for reimbursement.
Important:
Non-emergency outpatient examinations or procedures with a cost of 2.000€ or more should be pre-approved by the insurer at least 5 days in advance.
Emergency outpatient procedures, meaning any time-sensitive procedures where you had no chance of contacting the insurer at least 5 days in advance can still be covered without any upfront approval.
Inpatient procedures should be always informed to the emergency assistance line (MCI) as soon as possible so they can organize the direct billing with the hospital, either they cost more or less than 2.000€.
You can contact the insurer (Squarelife) for pre-approval at [email protected].
The response time is up to 3 business days.
And if I have a serious emergency and need to be hospitalized?
If you find yourself in an emergency or accident where you need to stay overnight at the hospital you should ask the hospital to contact our 24/7 hotline so they pay the costs directly to the hospital.
There is no specific network of hospitals you need to choose from, you can choose any local hospital available to you. Public or private.
Once at the hospital, you should receive the necessary urgent care, and once you’re able you can request the hospital to contact our 24/7 hospital assistance.
Alternatively, if you have a family member or friend, they can act on your behalf and instruct the hospital staff on how to proceed.
You can find the phone number of our 24/7 hotline and instructions in the Member Center under "Help".
The name of the assistance provider is MCI.
They need the following information ready:
Name and date of birth of the insured person
Name and phone number of the attending physician/hospital
The (suspected) diagnosis
Date of the accident or when the illness started
Name and phone number of the contact person on site (e.g. you), if there is one
Phone number: +34911599948
Email: [email protected]
(The hospital can also write an email, provide their phone number, and ask for a call back)
Still have questions? Drop us a chat message or email at [email protected]
Stay healthy 🌱