We designed health insurance for people who value freedom, and flexibility. Genki health insurance is available for everyone, regardless of residency or citizenship. We offer several types of cover that work all over the world. Let's see which Genki health insurance is ideal for your individual situation.
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🌱 World Explorer & World Resident
We designed 2 different types of health insurance tailored to freedom-loving digital nomads, traveling remote workers, and traveling families.
- Our travel health insurance is called
🎒 World Explorer - Our international health insurance comes in 2 variants, namely
🌏 World Resident and
⭐️ ️World Resident Premium
💡 Cheatsheet
| 🌱 What insurance do you need? | 🎒 World Explorer | 🌏 World Resident | ⭐️ World Resident Premium |
|---|---|---|---|
| 🛟 Type of insurance | Travel health insurance | International health insurance | International health insurance |
| 🏖️ Your need | Only for emergencies and medically necessary treatments | Everything World Explorer plus more services | Everything World Resident plus preventive care |
| 🩴 Who we cover | Any citizen, any resident, 0-49 years old | Any citizen, any resident, any age | Any citizen, any resident, any age |
| 🌏 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 180 days per calendar year | Cover up to 180 days per calendar year |
| 📅 Period of cover | Limited to 2 years Possible to renew for 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 |
Everything World Explorer plus telemedicine, long-term treatments, and more services | Everything World Resident plus preventive care and long-term treatments |
| 💶 Monthly costs | Prices start at €35.70 depending on age, deductible, and chosen region of cover | Prices start at €105 depending on age, deductible, chosen region of cover | Prices start at €125 depending on age, deductible, chosen region of cover |
📅 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.
- 🎒 World Explorer is for you if you plan on traveling between 1 month and 2 years.
- 🌏 World Resident and ⭐️ World Resident 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 🎒 World 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 🌏 World Resident 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 🎒 World 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 🌏 World Resident if you need long-term medical care.
🤓 Why do you want health insurance?
You are looking for cover just in case something happens
- 🎒 World 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
- 🌏 World Resident will cover not only emergencies, accidents, and medically necessary treatments, but also all types of sports, alternative medicine, telemedicine, and more. You are covered life-long if you want.
- If you are looking for more cover, for example, preventive care like health checkups, then ⭐️ World Resident Premium is your choice.
🗝️ Do you have another health insurance?
- If you have no access to a national 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, 🌏 World Resident and ⭐️ World Resident 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 🎒World 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.
- You can choose your home country. However, the home country needs to be a country where you have either a passport or where you have a permanent residency permit.
How old are you?
- 🎒 World Explorer covers people between 0 and 49 years old.
- There are no age limitations for 🌏 World Resident and ⭐️ World Resident Premium.
🌏 Where do you want to be covered?
- Both World Explorer and World Resident 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 both insurances, your chosen home country is covered but with limitations.
- Additionally, with both insurances, you need to have left your home country at least once. You are covered when you return, for example for a family visit.
- With 🎒 World 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 🌏 World Resident and ⭐️ World Resident Premium, your chosen home country is covered for up to 180 days per calendar year.
🤿 What sports do you do?
- If you want to be covered for all types of sports, then choose 🌏 World Resident or ⭐️ World Resident Premium. Every sport is covered as long as you are not participating as a professional (getting paid for it).
- 🎒 Word Explorer covers sports, except diving, outdoor climbing, parachuting, paragliding, base or bungee jumping, sky diving, or racing.
- Scooter and motorcycle accidents are covered with 🎒 World Explorer, 🌏 World Resident, and ⭐️ World Resident 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.
🌏 World Resident and ⭐️ World Resident Premium cover
- All types of sports accidents include climbing, diving, paragliding, bungee jumping, and racing.
- Telemedicine and services to find a doctor.
- Dental treatments include pain relief and accidents.
- Pregnancies including prenatal checkups.
- Alternative medicine, including acupuncture, herbal medicine, homeotherapy, and massages.
- Mental health inpatient treatments.
- Pre-existing conditions depend on the medical questionnaire you fill out beforehand.
⭐️ Word Resident 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?
- 🎒 World Explorer starts at €35.70 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.
- 🌏 World Resident starts at €105 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.
- ⭐️ World Resident Premium starts at €125 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
