ℹ️ This article describes the current Genki Native conditions (version "1 September 2026"), launched in late September 2026. They apply to customers who started their application once this version was live. If your insurance started earlier, your current conditions stay in place until the start of your new insurance year, when the new conditions are applied automatically. We'll email you before this happens.
Your Insurance Conditions in the Member Center show which version applies to you. To see what changes for you, check the article "What's changing in Genki Native?".
If you have any questions, contact us at help@genki.world.
Yes! You can start Genki Native even if you're already traveling or living abroad.
🌍 Getting Started with Genki Native
You can start Genki Native even if you're already abroad or living outside your country of nationality.
The earliest start date is 7 days after you complete your application.
Genki Native is valid worldwide, including countries with official travel warnings. Specific conditions apply in your countries of nationality (Genki Native Basic) and in the USA. See the article Where am I covered with Genki Native?.
⏳ Waiting Periods
There is no general waiting period. Waiting periods apply only to certain benefits and start on your insurance Start Date. Treatment prescribed or started during an applicable waiting period is not covered under that benefit.
Dental Care (Premium): 3 or 12 months depending on the treatment. No waiting period if required due to an accident supported by a doctor or police report.
Maternity Care: 12 months. No waiting period for severe complications or termination in a life-threatening emergency.
Vision aids (Premium): 6 months for contact lenses, frames, and prescription lenses.
Mental Health Care: 6 months. No waiting period for life-threatening emergencies.
Preventive Care (Premium): 3 months.
Treatment in the USA: 3 months for all treatments.
✅ Pre-Existing Conditions
Genki Native may cover pre-existing conditions, but every applicant must complete a medical questionnaire during the application.
The insurer (Squarelife) reviews your medical history. Your application can be accepted, accepted with limitations, accepted with an increased premium, or rejected.
🧑⚕️ 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 according to your Insurance Conditions.
Important: For outpatient treatment with expected costs of €2,000 or more, send a pre-notification with an itemized cost estimate at least 5 days before starting the treatment. If you don't, only 50% of the amount that would otherwise be covered may be reimbursed.
🏥 Inpatient Care (Hospital Stay)
Contact the 24/7 Emergency Assistance 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.
Emergency Assistance: MCI Assist
Phone: +34 911 599 948
Email: genki@mciassist.com
Info also available in the Member Center > Help
Have the following details ready:
Your name and date of birth
Name and phone number of the hospital or doctor
Diagnosis or symptoms
Date of illness or accident
Contact person's name and phone number (if different)
More details: see the article (Hospital emergencies) What If I need to be hospitalized with Genki Native?.
📄 For full details, check the Insurance Conditions and Table of Benefits.
If you have any questions, don't hesitate to drop us a chat message or email at help@genki.world.
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