We offer two health insurance options made for digital nomads, expats, and traveling families:
- 🎒Genki Explorer travel health insurance
- 🌏Genki Native international health insurance
This article compares both options, so you can decide which one is right for you.
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💡 Comparison Overview
| 🎒 Genki Explorer | 🌏 Genki Native Basic | ⭐️ Genki Native Premium | |
|---|---|---|---|
| 🛟 Type of insurance | Travel health insurance | International health insurance | International health insurance |
| 🏖️ Your need | Only for emergencies and medically necessary treatments | Everything Genki Explorer plus more services | Everything Genki Native plus preventive care |
| 🩴 Who we cover | Any citizen, any resident, 0-69 years old | Any citizen, any resident, 0-55 years old at sign up, no age limit once covered | Any citizen, any resident, 0-55 years old at sign up, no age limit once covered |
| 🌏 Region of cover | Every single country | Every single country | Every single country |
| 🧸 Home country | Cover up to 42 days within 180 days | Cover up to 30 days per insurance year in country of citizenship with limit of €250.000 per year, only for emergencies & transport to another country | Full cover in country of citizenship. No substitute for local health care systems |
| 📅 Period of cover | Limited to 2 years | As long as you want, from 1 year minimum to life-long | As long as you want, from 1 year minimum to life-long |
| 🤿 Covered sports | All sports, except diving, outdoor climbing, parachuting, paragliding, base or bungee jumping, sky diving, or racing | All sports | All sports |
| ☔️ Included services | Emergencies and medically necessary treatments only Initial mental health care treatments |
Necessary medical treatment (inpatient and outpatient treatments) at any licensed doctor or hospital up to €1,000,000 per insurance year. That includes accidents and emergencies, as well as common illnesses and injuries | Includes all benefits of Genki Native Basic as well as preventive care/check-ups, dental, vision, maternity, mental health, and more. Genki Native Premium has no overall limit for medical costs and comes with full cover in your country of citizenship |
| 💶 Cost | Starts at €48.30 per month. Price depends on age, deductible, and chosen region of cover |
Starts at €180 per month. Price depends on age, deductible, and health status. |
Starts at €260 per month. Price depends on age, deductible, and health status. |
📅 How long do you want to travel?
Maybe you travel occasionally, from a few months up to a few years, or you are a perpetual traveler, we got you covered.
- 🎒 Genki Explorer is for you if you plan on traveling between 1 month and 2 years.
- 🌏 Genki Native and ⭐️ Genki Native Premium are for you if you plan on traveling for at least 1 year or perpetually.
💡
Can I extend my travel health insurance?
You can not extend your plan after 2 years. But you can sign up for a new contract.
If you develop a chronic illness, or any other medical issue that requires long-term treatment, please note that the cover ends after a maximum of 2 years. If you want to sign up for a new 🎒 Genki Explorer your chronic or long-term medical issue is now counted as a pre-existing condition that is not covered in the new contract. This is why it is necessary to have access to a national healthcare system you can return to or international health insurance like 🌏 Genki Native if you need long-term medical care.
You can not extend your plan after 2 years. But you can sign up for a new contract.
If you develop a chronic illness, or any other medical issue that requires long-term treatment, please note that the cover ends after a maximum of 2 years. If you want to sign up for a new 🎒 Genki Explorer your chronic or long-term medical issue is now counted as a pre-existing condition that is not covered in the new contract. This is why it is necessary to have access to a national healthcare system you can return to or international health insurance like 🌏 Genki Native if you need long-term medical care.
🤓 Why do you want health insurance?
You are looking for cover just in case something happens
- 🎒 Genki Explorer is the right fit if you want insurance in case something happens, for example, emergencies, accidents, but also an ear infection, or food poisoning, and it covers you for up to 2 years.
You are looking for more cover, for example, preventive care
- 🌏 Genki Native will cover emergencies, accidents, and medically necessary treatments, as well as all types of sports, alternative medicine, medical transport to another country, and more. You are covered life-long if you want.
- If you are looking for more cover, for example, preventive care like health checkups or vaccines, then ⭐️ Genki Native Premium is your choice.
🗝️ Do you have another health insurance?
- If you have no access to a long-term health care plan, or you don't want to pay for a national health care plan in your home country because of its regional limitations, 🌏 Genki Native and ⭐️ Genki Native Premium are great alternatives with worldwide cover.
- If you travel no longer than 2 years and you have access to a national health care plan or you are still part of a national health care system in your home country, then 🎒Genki Explorer is the right travel health insurance for accidents and emergencies abroad.
🩴 Who can sign up?
Our Genki health insurance plans are made for everyone from every country.
- You can sign up while traveling.
- You can sign up without having a mailing address.
How old are you?
- 🎒 Genki Explorer covers people between 0 and 69 years old.
- 🌏 Genki Native and ⭐️ Genki Native Premium cover people between 0 and 55 years old at sign-up. There is no age limit once you are a member.
🌏 Where do you want to be covered?
- Both 🎒 Genki Explorer and 🌏 Genki Native offer worldwide cover, so every single country on earth. Depending on your travel plans, you can choose to limit cover in the USA & Canada to save money.
🧸 How is your home country covered?
- With 🎒 Genki Explorer, your home country is covered for up to 42 days within 180 days. Cover in your home country includes accidents and life-threatening emergencies only.
- With 🌏 Genki Native the country of your citizenship is covered for up to 30 days and €250,000 per year.
- With ⭐️ Genki Native Premium you are fully covered in your country of citizenship.
- Additionally, with all our insurances, you need to have left your home country at least once. You are covered when you return, for example for a family visit.
🤿 What sports do you do?
- If you want to be covered for all types of sports, then choose 🌏 Genki Native or ⭐️ Genki Native Premium. Every sport is covered as long as you are not participating as a professional (getting paid for it).
- 🎒 Genki Explorer covers sports, except diving, outdoor climbing, parachuting, paragliding, base or bungee jumping, sky diving, or racing.
- Scooter and motorcycle accidents are covered with 🎒 Genki Explorer, 🌏 Genki Native, and ⭐️ Genki Native Premium.
☔️ What medical care is covered?
All our insurances cover
- Accidents, for example, scooter accidents.
- Medical emergencies in situations you would normally call an ambulance.
- Medically necessary treatments, for example, if you have an ear infection or the flu.
- 24/7 medical assistance.
- Initial mental health issues.
🌏 Genki Native and ⭐️ Genki Native Premium cover
- All types of sports accidents include climbing, diving, paragliding, bungee jumping, and racing.
- Dental treatments include pain relief and accidents.
- Pregnancies including prenatal checkups.
- Alternative care, including massage, acupuncture, homeotherapy, osteopathy, and chiropractic care.
- Mental health inpatient treatments.
- Pre-existing conditions depend on the medical questionnaire you fill out beforehand.
⭐️ Genki Native Premium also covers
- Preventive care, and health checkups.
- Vaccines.
- More treatments and services for pregnancies, dental & vision care, and mental health and well-being.
- Pre-existing conditions depend on the medical questionnaire you fill out beforehand.
💸 How much does it cost?
- 🎒 Genki Explorer starts at €48.30 per month. The price depends on your age, the deductible you choose, and whether you choose to limit cover in the USA & Canada. The minimum subscription is 1 month.
- 🌏 Genki Native starts at €180 a month. The price depends on your age, the deductible you choose, and whether you choose to limit cover in the USA & Canada. The minimum period is 1 month, and the maximum is 2 years.
- ⭐️ Genki Native Premium starts at €260 a month. The price depends on your age, the deductible you choose, and whether you choose to limit cover in the USA & Canada. The minimum period is 1 year.
Online guide: Nomad health insurance explained in easy words.
Do you struggle to find the ideal travel health insurance? We explain different aspects and industry terms to help you make the best decision.
Sarah Kuhlemann
