Health Insurance Guide
A useful collection of articles covering different aspects of travel health insurance. You find general definitions used by insurance providers and how they are defined in Genki Explorer.
🛟 Travel Health vs. International Health Insurance
The difference between travel health insurance and international health insurance is one of the most confusing topics that this article aims to demystify. There are significant differences in costs, range of cover, and length of cover. Read more.
🌏 Region of Cover
Depending on your travel behavior, there are a few points to consider when choosing travel health insurance. How long is a trip in your home country covered, for example? Read more.
📆 Period of Cover
Many travel health insurance providers cover only short-term travel. But there is more you should consider when choosing your insurance. Read more.
🧸 Home Country
Do you know what is meant exactly by the term home country? Travel insurance providers offer different home country cover. Read more.
☔️ Inclusions & Exclusions
What happens when you have a scooter accident in Bali? What if you drove without a helmet? Does travel health insurance cover pregnancy, an ear infection, or a broken tooth? What about tropical diseases? Read more.
🚧 Misconceptions
"Travel health insurance is too expensive" or "Travel health insurance doesn't cover out-patient treatments" are just 2 of many misconceptions. Read more.
⚙️ Pre-existing Conditions
Chronic illnesses are most likely not covered by most travel health insurance providers. There is one crucial point you need to be aware of when it comes to pre-existing conditions, especially when renewing your policy. Read more.
📎 Filing Claims
In the event, you seek a doctor or you get medical treatment, make sure to follow this checklist. Read more.
🛟 Travel Health Insurance with Genki
Genki Explorer
- Who is this for: Short-term travelers and digital nomads with long-term health coverage at home.
- Region of cover: Worldwide. Every single country. Depending on your travel plans, you can choose to have full or limited cover in the USA & Canada.
- Home country: Your chosen home country should be a country where you have no visa restriction and access to long-term health coverage, like local health insurance or the public health system. However, visiting friends and family is covered for up to 42 consecutive days within 180 days.
- Inclusions & exclusions: Medical emergencies and medically necessary treatments (ear infection, flu), initial mental health issues, and sports injuries are covered. Pre-existing conditions and pre-existing pregnancies are not covered. See all benefits.
- Monthly costs: Genki Explorer starts from €48.30 a month (prices for ages 0-29). The monthly costs depend on the chosen deductible, and if you want to include or exclude the USA & Canada.
Have a look at what Genki Native offers.
☂️ International Health Insurance with Genki
Genki Native
- 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).