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Can I start my Genki Native insurance if I'm already traveling?
Can I start my Genki Native insurance if I'm already traveling?

Genki Native: Worldwide Coverage and Getting Started

Pedro avatar
Written by Pedro
Updated this week

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

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 🌱

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