Genki Native offers international health insurance with worldwide coverage—including all countries, regardless of travel warnings.
🌍 Getting Started with Genki Native
You can start Genki Native even if you're already abroad or living outside your country of citizenship.
The earliest possible start date is 7 days after completing your application.
🟦 Genki Native Basic Coverage
Country of Citizenship: Coverage is limited to 30 days per insurance year, only for life-threatening emergencies and transport to another country. Max coverage: €250,000/year.
USA & Canada: Same limitations apply—30 days total (combined), €250,000/year, only for life-threatening emergencies and medical transport.
Applies even if the USA or Canada is your country of citizenship.
US Territories (e.g., Puerto Rico, Guam, etc.) are not part of the USA region and are treated as any other country abroad.
🟩 Genki Native Premium Coverage
Country of Citizenship: Unlimited coverage, no day limits, all benefits apply.
USA & Canada: Same limitations as Basic—30 days, €250,000/year, life-threatening emergencies and transport only.
📝 There is no maximum stay limit abroad. You can stay in any country (except USA/Canada over 30 days) as long as your insurance remains active.
⏳ Waiting Periods
There is no general waiting period. Coverage starts on day one for most conditions. However, a few benefits have waiting periods:
Dental treatments (crowns, inlays, bridges, etc.) – 12 months, unless resulting from an accident. (Genki Native Premium only)
Maternity benefits – 12 months. Emergency complications are always covered.
✅ Pre-Existing Conditions
Coverage is possible, but subject to acceptance.
You must complete a medical questionnaire during your application.
The insurer (Squarelife) will assess each reported condition individually.
🧑⚕️ Choosing Doctors and Hospitals
You can visit any doctor, clinic, or hospital, public or private.
No need to show an insurance card or special documents.
💳 Outpatient Care (No Hospital Stay)
Pay upfront and keep all documents (invoices and medical reports must show diagnosis, treatment, date, and cost).
Submit your claim through the Member Center > Compensation.
If your plan has a deductible, it will be applied once per claim.
Important:
For non-emergency outpatient treatments costing €2,000+, request pre-approval at least 5 days in advance.
Emergency outpatient procedures do not need advance approval.
🏥 Inpatient Care (Hospital Stay)
Contact the 24/7 emergency assistance hotline as soon as possible.
They will arrange direct payment to the hospital.
You may choose any public or private hospital.
A family member can help coordinate if needed.
Assistance Provider: MCI Assist
Phone: +34 911 599 948
Email: [email protected]
Info also available in the Member Center > Help
Have the following details ready:
Your name and date of birth
Name/phone of hospital or doctor
Diagnosis or symptoms
Date of illness or accident
Contact person’s name and phone (if different)
For more details, check your Member Center or reach out to our support team!
Still have questions? Drop us a chat message or email at [email protected]
Stay healthy 🌱