Genki Native – Coverage in Your Country of Citizenship (Contracts Started Before July 1, 2025)
Genki Native provides worldwide coverage, including in your country (or countries) of citizenship.
The conditions depend on whether you have the Basic or Premium variant.
Genki Native Basic
✅ Coverage in your country of citizenship is limited to 30 days per insurance year.
✅ Overall limit of €250,000 applies.
✅ Covers only:
Accidents
Life-threatening emergencies
Transport to a different country
💡 Tip: If you have Genki Native Basic, consider maintaining additional coverage in your country of citizenship due to these restrictions.
Genki Native Premium
✅ No overall coverage limit in your country of citizenship — all benefits apply, and you can stay as long as you like.
⚠ Exception: If your country of citizenship is USA or Canada, coverage is still limited to:
30 days per insurance year
€250,000 overall limit
Only for accidents and life-threatening emergencies (same as Basic conditions in these cases)
Key Definitions
Country of citizenship: A country where you hold citizenship.
Genki Native does not use the concept of “home country” or allow you to select one — coverage rules are always based on citizenship.
Contracts Starting On or After July 1, 2025
The conditions for new sign-ups have been updated:
Coverage during visits to your country of nationality
Genki Native Basic
✅ Up to 182 days per visit
🔁 Requires a 90-day break between visits
🌍 Coverage applies just like abroad (no benefit limitations during eligible stays)
Genki Native Premium
✅ Unlimited time in your country of nationality
🌍 Coverage applies just like abroad (all benefits, no visit limits, no break required)
Important for US & Canadian nationals 🇺🇸🇨🇦
The country of nationality rules do not apply in the USA and Canada.
If you are a US or Canadian national, you only have 28 days of coverage for emergencies and accidents in your country of nationality — unless you upgrade your region for extended coverage.
Notes
Country of nationality means any country where you are a national.
Genki Native does not use a “home country” setting; rules are based on nationality.Interested in Genki Native?
Request a quote and speak with our product experts.