Genki Native has no overall waiting period. This means that any type of medical emergency, accident, or illness can be covered from the first day of your insurance, no matter where you are in the world.
🩺 Pre-existing Conditions
Coverage for pre-existing conditions depends on the outcome of your medical questionnaire:
Certain pre-existing conditions may be excluded from coverage.
In some cases, the monthly premium may increase.
If the condition is not eligible, your application may be declined.
📅 Insurance Start Date
You can choose to begin your insurance as early as 7 days after completing your application.
⏳ Benefits With Waiting Periods
While most coverage starts immediately, a few specific benefits do have waiting periods:
Dental treatments (Premium plan only):
Inlays, onlays, bridges, crowns, and dentures have a 12-month waiting period.
These are only covered if they are medically necessary due to an accident.
Maternity benefits (Premium plan only):
All maternity-related coverage, including childbirth, has a 12-month waiting period.
Sudden complications that put the mother or child at risk are covered immediately without a waiting period.
For more details on coverage, benefits, and exclusions, check the Genki Native Insurance Conditions and Table of Benefits in the Member Center.
Still have questions? Drop us a chat message or email at [email protected]
Stay healthy 🌱