Filing an insurance claim: step by step
Filing claims is a little bit like tax filing in your business. It's not fun, but it has to be done. We explain in quick steps what to do.
📎 Ask for itemized receipts
It is important to keep the treatment process as transparent as possible. Make sure you receive a detailed, itemized invoice for every visit or treatment. This is what your insurer will need to process your claim.
💡 With Genki: your invoice should include the diagnosis, treatment details, dates, and when your symptoms began. That's exactly what's required for your claim.
💌 Submit your claim form
When you subscribed for health insurance, you received login details to your health insurance provider's online profile, an email address, and/or a telephone number. Either via an online profile or via email, you need to send your claim, including bills, receipts, and other documents, to your health insurance provider to start the process.
💡 With Genki: submit your claim through the Member Center under Compensation. It applies to all Genki insurance products.
☎️ Report immediately
To receive the best care and get the administrative process rolling, you must report the illness or the accident as soon as possible. You can most likely do this by phone. Make sure to provide all relevant information.
💡 With Genki: for outpatient treatments costing €1,000 or more, submit a cost estimate to Squarelife at least 5 days before treatment. Skipping this risks only 50% reimbursement instead of full coverage.
👩🏽⚕️ Wave the physician-patient-privilege
The insurance provider can gather the necessary information by waiving the physician-patient privilege.
🛟 Travel health insurance with Genki
Genki Traveler
A flexible, worldwide travel health insurance subscription for up to 1 year.
- Who is this for: Frequent and long-term international travelers (like digital nomads) who want the freedom to go anywhere and to change plans on a moment's notice.
- Region of cover: Worldwide cover, outside of your home country.
- What’s covered: Up to €1,000,000 of medical care for unexpected injuries and illnesses. That includes doctor’s visits, treatment at public and private hospitals, emergency medical transport, and medically necessary return transport to your home country. It doesn’t cover prior health conditions, preventive care, dental, vision, or maternity care.
- Length of cover: From one month up to one year. Monthly billing. Cancel anytime. You should have other long-term health cover in your home country.
☂️ International health insurance with Genki
- Who is this for: Digital nomads, expats, and other long-term travelers who want complete health cover.
- Region of cover: Worldwide (limited in Canada & USA).
- Period of cover: As long as you want. Life-long if you wish. The minimum contract is 1 year with a monthly payment plan.
- Home country: Genki Native is available for people from every country (even nomads without any legal residence). You can choose to have limited or full cover in your country of citizenship.
- Genki Native Basic: Genki Native Basic covers necessary medical treatment (inpatient and outpatient treatments) at any licensed doctor or hospital up to €1,000,000 per year. That includes accidents and emergencies, as well as common illnesses and injuries.
- Genki Native Premium: Genki Native Premium also covers preventive care/check-ups, plus dental, vision, maternity, mental health, and more. Genki Native Premium has no overall limit for medical costs and also includes full cover in your country of citizenship.
- Monthly costs: Genki Native starts from €180 a month (prices for ages 20-34). The monthly costs depend on the result of a medical questionnaire, your age, the chosen deductible, and the region of cover (incl. or excl. USA and Canada).