Genki

What Genki is

Genki sells its own-branded health insurance for digital nomads, long-term travelers and expats, but it is not the insurer. Its about page says "We're not an insurance company. We're your health partner, always there to support you in your journey, wherever it may lead." The product pages spell out the structure: "We are your worldwide health partner, your insurance agent, and the policyholder of this group insurance," and "Squarelife is the insurer. They make sure that there is enough money to cover medical costs. They also handle your reimbursement requests." So a Genki member is covered under a group policy that Genki holds, with Squarelife carrying the risk and handling claims.

The legal notice names the operating company as "Genki UG (haftungsbeschränkt)," at "Siegburger Str. 231, 50679 Cologne, Germany," "registered in District Court Cologne with number HRB 106969." The about page says "Our company is registered and licensed in Germany, with some of the world's strongest insurance and consumer protection laws," dates the business to 2018, and claims "75,000+ Nomads Trust in Us" across "196 Countries Our Members Call Home."

Genki sells two products. Genki Traveler is "travel health insurance designed for frequent and long-term travelers, including digital nomads." Genki Native is international health insurance offering "long-term, worldwide cover for medical treatment," pitched as "Perfect for digital nomads, expats, and families living abroad."

Genki Traveler

Traveler gives "one year of extensive worldwide coverage for medically necessary care of unexpected injuries and illnesses" and "is intended as coverage abroad, outside of your home country." Medical treatment is covered "up to a total of €1,000,000," including outpatient visits and inpatient stays at public and private providers, plus ambulance transport, consultations and telemedicine, prescribed exams and procedures, medication and medical repatriation. The "24/7 emergency assistance manages your inpatient treatment" and "organizes payments directly to your hospital." A hospitalized member in a life-threatening emergency can have "one family member visit," with costs "up to €5,000 per insurance case." The plan also pays for "up to 6 prescribed physiotherapy sessions per insurance case" and accident-related dental care "up to €1,000 per insurance case." It covers "almost all sports and activities," though "Conditions apply to certain sports and activities."

The page is specific about limits. The deductible: "You pay the first €50 per insurance case and the insurer pays the remainder," and "There is no deductible for inpatient stays." The waiting period: "If you are already outside of your home country when your insurance starts and you have no prior coverage, only medical emergencies are covered for the first 14 days." Geography: "Coverage in Canada and the USA is limited to the first 7 days of each stay and only includes medical emergencies," with an upgrade available at a higher price, and "Coverage in your home country is always limited to the first 6 weeks of each stay and only includes medical emergencies."

Exclusions are listed by name. Traveler does not cover "health conditions that showed symptoms, were diagnosed, treated, or medically consulted within one year before your insurance starts," nor known chronic or congenital conditions. It excludes dental care except after accidents, alternative, mental health, maternity, rehabilitative and preventive care, professional sports, and named activities including "BASE jumping" and "wingsuit flying." It also excludes "trip cancellation, trip interruption, flight delays, lost luggage," theft and personal liability. After a repatriation paid by the insurer, cover "ends immediately after you arrive at your destination."

Genki Native

Native promises cover "From minor injuries and common illnesses to life-threatening emergencies and chronic diseases like cancer," with "claims reimbursed in just 3 business days." It comes in two tiers:

• Genki Native Basic: inpatient and outpatient treatment, medication, transport to the nearest suitable hospital, 24/7 assistance, direct billing for hospital stays, sports injuries, rehabilitation and inpatient psychiatric care, with a "€1 million overall coverage limit per insurance year." The page shows "€189 / month" as the "example price for a 30 year old with no deductible."
• Genki Native Premium: everything in Basic plus preventive care ("Limit €250 per year"), dental, vision, mental health care, maternity care and alternative care ("Limit €500 per year"), with "No overall coverage limit" and "Full cover in your country of citizenship." The page shows "€273 / month" for Premium. Pregnancy and childbirth carry a "12-month waiting period," and dental has a waiting period "for some treatments."

Native states that "All sports are covered," while "Consequences of professional sports (you receive compensation) aren't covered," and that "Cover in Canada & USA is limited." The page adds that it is "Not a replacement for local health insurance that may be required by law in some countries."

Who can buy it and how it works

Traveler runs as a "Flexible monthly subscription," "from 1 to 12 months," for "Any citizen, any residence" at "ages up to 69," and members can "Sign up from home or while already abroad." A buyer must name a home country "where you are a citizen or a resident." The first month is charged at sign-up, "Your monthly price does not change unless you make changes to your insurance," and "You can cancel your subscription anytime after the minimum coverage period of one month." Before treatment costing "at least €1,000," the member "must send the insurer an itemized cost estimate at least 5 days before starting the treatment," unless it is an inpatient stay already handled by the emergency assistance.

Native is "One year minimum, no maximum." "You can join anytime up to age 55, and once you're covered, there is no age limit," and it is "available for people from every country (even nomads without any legal residence)."

For claims, the homepage says "If you're hospitalized, we pay the hospital directly," while for routine visits "you pay first and request reimbursement on our website," and "We pay 80% of reimbursements within 2 business days." Support runs by chat and WhatsApp, with a 24/7 emergency hotline.

Who it suits

Traveler suits a nomad up to 69 who wants month-to-month emergency and illness cover abroad with a €1,000,000 ceiling, a small €50 per-case deductible and most sports included, and who does not need dental, maternity, mental health or US cover beyond 7 days. Native suits a long-term expat or family under 55 who wants cover that can continue for life, with chronic conditions like cancer included; Premium adds maternity, dental and mental health with no overall limit. Anyone with a condition treated in the year before starting Traveler, or planning a US stay longer than a week, will find those limits stated plainly on the page.