GenkiGenki
Genki Native

Health insurance made for your worldwide life

Take great care of your health everywhere

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Nomads ❤️ Us

rating missing
4.3 out of 5
on
Trustpilot
(630 reviews)
Super happy with a hospitalisation claim

I had to be hospitalised for a very serious medical problem in Vietnam and everything end to end has been great. From using the chat feature when I was first in hospital to understand the process and them emailing me the info, to getting the letter of guarantee in place when I was in intensive care, it's been easy and efficient - when you have a life-threatening heart problem, this is what you want. The doctor from the insurance who called me was empathetic and could tell I was super sick, and the same doctor called a few days later to check things were ok and he was really friendly, as well as doing his job. I've had to make a claim with Safety Wing before and they were a disorganised mess. I'm so glad I was covered with Genki, it made a super stressful time so much easier to cope with.

Read more
Jo Rushton
Vietnam
Happy user for 3 years

I've used Genki for the last 3 years, first as a digital nomad and more recently on a brief trip to Europe now that I am once again based in my home country. Everything about the process is easy and intuitive. I initially picked Genki because they are one of few insurers offering coverage for automobile accidents as part of their digital nomad plan. I have always been reimbursed quickly and relatively painlessly

Read more
Alanna Spence
Canada
Great insurance

We can not complain about this insurance. I used it in the Philippines when I went straight to a clinic and asked for a reimburse later (all went well!) and my husband used it in Kuala Lumpur. In his case, he contact Genki before going to the clinic where he had to take a MR and the insurance paid for everything in advance. The assistance was good and it worked so we do recommend Genki :)

Read more
Camila Barbieri
Brazil
5 Stars Experience - Surgery

I had an accident in Indonesia and broke my Fibula bone, went straight to the hospital and my partner contacted our insurance, they were so efficient when the hospital asked for a letter of guarantee costs from Genki. The first contact we made they informed my wife straight away saying don't worry we'll cover all costs. I went through surgery and it was a success, still recovering. After my second follow up at the hospital I had to pay myself and claimed to Genki so still waiting for it as I had to do the last X-ray. It was great experience so far!

Read more
Daniel Nakano
Indonesia Bali
The best travel health insurance out there

We have been living abroad and getting an international travelers health insurance for our family of three is what makes sense for us. Genki is the best option for our family with it's low deductible, excellent coverage, and easy sign-up process. We've had a first-hand experience of Genki's great and timely service. Our 18-month old boy recently had an accident where he fell off his high chair and we needed to bring him to the hospital because of continuous vomiting. As you can imagine, this is a parent's nightmare. The whole process of getting all hospital bills covered by Genki was so seamless that as a mom, I felt so secured in knowing that we have a trusted partner in our healthcare. Their direct to hospital payment is so wonderful we didn't have to pay for anything or prepare any documents for reimbursement. It was one less thing to worry about during the whole ordeal. From our family's experience, I'd highly recommend Genki. I believe that more families like us who live abroad and travels a lot should have a health insurance coverage that they can trust.

Read more
Christine Joy Hortinela
Indonesia Bali
Great option for long term travellers

My family of 4 travelled the world for a year and used Genki for insurance for the second half of our trip. It was more affordable than our prior insurer and the service was great. It was very easy to sign up. We had two medical claims that were simple to submit and were paid back within a couple weeks. I’d highly recommend Genki for expats or long term travelers.

Read more
Eric Young
United States of America
Very good insurance

The whole process is very easy with Genki. The online platform is clear. Any time I e-mailed them, I received a very quick and very kind answer. Once I needed a medical care, it was easy to submit the documents and I received full cover. The insurance conditions are very good and fair. I can highly recommend.

Read more
Barbara
Hungary
Great insurance

Great insurance, I've used it for several months in the past few years and unfortunately I had to seek medical attention during my trip so I can testify that genki did it work right, they let me chose the hospital and later the physiotherapist I preferred checking me during all the process through phone calls with their doctors in Germany and after all procide to the refund of all my medical bills, as for now is undoubtedly the best medical insurance I've found.

Read more
Frank
Italy
Have to say they come through

Have to say, I've made 2 big claims with Genki in 2024 due to reoccuring health issues and every time I'm referred to a new specialist they find something else. I started with Genki a year before I needed to claim, and was nervous when medical bills started racking up that they may not come through. They absolutely have, and I feel relieved as I'll be needing another minor surgery soon. Thank you, Genki.

Read more
Naomi Cotton
United Arab Emirates
Super happy with a hospitalisation claim

I had to be hospitalised for a very serious medical problem in Vietnam and everything end to end has been great. From using the chat feature when I was first in hospital to understand the process and them emailing me the info, to getting the letter of guarantee in place when I was in intensive care, it's been easy and efficient - when you have a life-threatening heart problem, this is what you want. The doctor from the insurance who called me was empathetic and could tell I was super sick, and the same doctor called a few days later to check things were ok and he was really friendly, as well as doing his job. I've had to make a claim with Safety Wing before and they were a disorganised mess. I'm so glad I was covered with Genki, it made a super stressful time so much easier to cope with.

Read more
Jo Rushton
Vietnam
Happy user for 3 years

I've used Genki for the last 3 years, first as a digital nomad and more recently on a brief trip to Europe now that I am once again based in my home country. Everything about the process is easy and intuitive. I initially picked Genki because they are one of few insurers offering coverage for automobile accidents as part of their digital nomad plan. I have always been reimbursed quickly and relatively painlessly

Read more
Alanna Spence
Canada
Great insurance

We can not complain about this insurance. I used it in the Philippines when I went straight to a clinic and asked for a reimburse later (all went well!) and my husband used it in Kuala Lumpur. In his case, he contact Genki before going to the clinic where he had to take a MR and the insurance paid for everything in advance. The assistance was good and it worked so we do recommend Genki :)

Read more
Camila Barbieri
Brazil
5 Stars Experience - Surgery

I had an accident in Indonesia and broke my Fibula bone, went straight to the hospital and my partner contacted our insurance, they were so efficient when the hospital asked for a letter of guarantee costs from Genki. The first contact we made they informed my wife straight away saying don't worry we'll cover all costs. I went through surgery and it was a success, still recovering. After my second follow up at the hospital I had to pay myself and claimed to Genki so still waiting for it as I had to do the last X-ray. It was great experience so far!

Read more
Daniel Nakano
Indonesia Bali
The best travel health insurance out there

We have been living abroad and getting an international travelers health insurance for our family of three is what makes sense for us. Genki is the best option for our family with it's low deductible, excellent coverage, and easy sign-up process. We've had a first-hand experience of Genki's great and timely service. Our 18-month old boy recently had an accident where he fell off his high chair and we needed to bring him to the hospital because of continuous vomiting. As you can imagine, this is a parent's nightmare. The whole process of getting all hospital bills covered by Genki was so seamless that as a mom, I felt so secured in knowing that we have a trusted partner in our healthcare. Their direct to hospital payment is so wonderful we didn't have to pay for anything or prepare any documents for reimbursement. It was one less thing to worry about during the whole ordeal. From our family's experience, I'd highly recommend Genki. I believe that more families like us who live abroad and travels a lot should have a health insurance coverage that they can trust.

Read more
Christine Joy Hortinela
Indonesia Bali
Great option for long term travellers

My family of 4 travelled the world for a year and used Genki for insurance for the second half of our trip. It was more affordable than our prior insurer and the service was great. It was very easy to sign up. We had two medical claims that were simple to submit and were paid back within a couple weeks. I’d highly recommend Genki for expats or long term travelers.

Read more
Eric Young
United States of America
Very good insurance

The whole process is very easy with Genki. The online platform is clear. Any time I e-mailed them, I received a very quick and very kind answer. Once I needed a medical care, it was easy to submit the documents and I received full cover. The insurance conditions are very good and fair. I can highly recommend.

Read more
Barbara
Hungary
Great insurance

Great insurance, I've used it for several months in the past few years and unfortunately I had to seek medical attention during my trip so I can testify that genki did it work right, they let me chose the hospital and later the physiotherapist I preferred checking me during all the process through phone calls with their doctors in Germany and after all procide to the refund of all my medical bills, as for now is undoubtedly the best medical insurance I've found.

Read more
Frank
Italy
Have to say they come through

Have to say, I've made 2 big claims with Genki in 2024 due to reoccuring health issues and every time I'm referred to a new specialist they find something else. I started with Genki a year before I needed to claim, and was nervous when medical bills started racking up that they may not come through. They absolutely have, and I feel relieved as I'll be needing another minor surgery soon. Thank you, Genki.

Read more
Naomi Cotton
United Arab Emirates
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What's included
With Genki Native, you get complete, worldwide cover for your health
card1Medical treatments
Medical treatments

Inpatient and outpatient procedures, visits, exams, and medication to help you recover from injuries and illnesses (including chronic conditions like cancer and diabetes).

cardImage
Medical treatments

Inpatient and outpatient procedures, visits, exams, and medication to help you recover from injuries and illnesses (including chronic conditions like cancer and diabetes).

card1Choose any doctor
Choose any doctor

Choose your own doctors and hospitals whenever you need treatment.

cardImage
Choose any doctor

Choose your own doctors and hospitals whenever you need treatment.

card1Accidents and emergencies
Accidents and emergencies

Get emergency medical transport to a suitable hospital.

In case you're hospitalized, our 24/7 assistance team will monitor your care and pay the hospital directly, so you don't have to pay anything upfront.

cardImage
Accidents and emergencies

Get emergency medical transport to a suitable hospital.

In case you're hospitalized, our 24/7 assistance team will monitor your care and pay the hospital directly, so you don't have to pay anything upfront.

card1Preventive care
Preventive care

Stay on top of your health with an annual allowance for preventive care, like check-ups, vaccinations, lab tests, and screenings. You choose how to spend it.

Included in Genki Native Premium. Limit €250 per year.

cardImage
Preventive care

Stay on top of your health with an annual allowance for preventive care, like check-ups, vaccinations, lab tests, and screenings. You choose how to spend it.

Included in Genki Native Premium. Limit €250 per year.

card1Pregnancy and childbirth
Pregnancy and childbirth

Complete care for mama and your little bundle of joy, from prenatal checkups to postnatal exercises, plus childbirth (in a hospital or at home), ultrasounds, first trimester screening, amniocentesis, midwives, and birth assistants.

Included in Genki Native Premium. 12-month waiting period applies.

cardImage
Pregnancy and childbirth

Complete care for mama and your little bundle of joy, from prenatal checkups to postnatal exercises, plus childbirth (in a hospital or at home), ultrasounds, first trimester screening, amniocentesis, midwives, and birth assistants.

Included in Genki Native Premium. 12-month waiting period applies.

card1Dental care
Dental care

What a beautiful smile you have!

Keep it that way with routine dental checkups and cleaning, and cover for dental treatments like fillings, root canals, crowns, and bridges.

Included in Genki Native Premium. Limits apply. 12-month waiting period for some treatments.

cardImage
Dental care

What a beautiful smile you have!

Keep it that way with routine dental checkups and cleaning, and cover for dental treatments like fillings, root canals, crowns, and bridges.

Included in Genki Native Premium. Limits apply. 12-month waiting period for some treatments.

card1Alternative care
Alternative care

Find the treatment that works best for you and your body. Massage, acupuncture, homeopathy, osteopathy, and chiropractic care are covered.

Included in Genki Native Premium. Limit €500 per year.

cardImage
Alternative care

Find the treatment that works best for you and your body. Massage, acupuncture, homeopathy, osteopathy, and chiropractic care are covered.

Included in Genki Native Premium. Limit €500 per year.

card1Sports injuries (all sports covered!)
Sports injuries (all sports covered!)

Yes, really. You can climb up, ski down, paddle out, and surf back. All sports, (even the dangerous ones) are covered!

Consequences of professional sports (you receive compensation) aren't covered.

cardImage
Sports injuries (all sports covered!)

Yes, really. You can climb up, ski down, paddle out, and surf back. All sports, (even the dangerous ones) are covered!

Consequences of professional sports (you receive compensation) aren't covered.

card1Mental well-being
Mental well-being

Inpatient psychiatric care, psychotherapy, and outpatient psychological treatment (including apps like BetterHelp™).

Psychotherapy and outpatient psychological treatment included in Genki Native Premium.

cardImage
Mental well-being

Inpatient psychiatric care, psychotherapy, and outpatient psychological treatment (including apps like BetterHelp™).

Psychotherapy and outpatient psychological treatment included in Genki Native Premium.

card1Medical transport to another country
Medical transport to another country

Transport to another country for medical reasons (for serious surgeries or long-term recovery).

cardImage
Medical transport to another country

Transport to another country for medical reasons (for serious surgeries or long-term recovery).

card1Repatriation
Repatriation

Transport of mortal remains to another country. Hopefully you never need this, but this coverage is often required for visa applications.

cardImage
Repatriation

Transport of mortal remains to another country. Hopefully you never need this, but this coverage is often required for visa applications.

card1Medical treatments
Medical treatments

Inpatient and outpatient procedures, visits, exams, and medication to help you recover from injuries and illnesses (including chronic conditions like cancer and diabetes).

cardImage
Medical treatments

Inpatient and outpatient procedures, visits, exams, and medication to help you recover from injuries and illnesses (including chronic conditions like cancer and diabetes).

card1Choose any doctor
Choose any doctor

Choose your own doctors and hospitals whenever you need treatment.

cardImage
Choose any doctor

Choose your own doctors and hospitals whenever you need treatment.

card1Accidents and emergencies
Accidents and emergencies

Get emergency medical transport to a suitable hospital.

In case you're hospitalized, our 24/7 assistance team will monitor your care and pay the hospital directly, so you don't have to pay anything upfront.

cardImage
Accidents and emergencies

Get emergency medical transport to a suitable hospital.

In case you're hospitalized, our 24/7 assistance team will monitor your care and pay the hospital directly, so you don't have to pay anything upfront.

card1Preventive care
Preventive care

Stay on top of your health with an annual allowance for preventive care, like check-ups, vaccinations, lab tests, and screenings. You choose how to spend it.

Included in Genki Native Premium. Limit €250 per year.

cardImage
Preventive care

Stay on top of your health with an annual allowance for preventive care, like check-ups, vaccinations, lab tests, and screenings. You choose how to spend it.

Included in Genki Native Premium. Limit €250 per year.

card1Pregnancy and childbirth
Pregnancy and childbirth

Complete care for mama and your little bundle of joy, from prenatal checkups to postnatal exercises, plus childbirth (in a hospital or at home), ultrasounds, first trimester screening, amniocentesis, midwives, and birth assistants.

Included in Genki Native Premium. 12-month waiting period applies.

cardImage
Pregnancy and childbirth

Complete care for mama and your little bundle of joy, from prenatal checkups to postnatal exercises, plus childbirth (in a hospital or at home), ultrasounds, first trimester screening, amniocentesis, midwives, and birth assistants.

Included in Genki Native Premium. 12-month waiting period applies.

card1Dental care
Dental care

What a beautiful smile you have!

Keep it that way with routine dental checkups and cleaning, and cover for dental treatments like fillings, root canals, crowns, and bridges.

Included in Genki Native Premium. Limits apply. 12-month waiting period for some treatments.

cardImage
Dental care

What a beautiful smile you have!

Keep it that way with routine dental checkups and cleaning, and cover for dental treatments like fillings, root canals, crowns, and bridges.

Included in Genki Native Premium. Limits apply. 12-month waiting period for some treatments.

card1Alternative care
Alternative care

Find the treatment that works best for you and your body. Massage, acupuncture, homeopathy, osteopathy, and chiropractic care are covered.

Included in Genki Native Premium. Limit €500 per year.

cardImage
Alternative care

Find the treatment that works best for you and your body. Massage, acupuncture, homeopathy, osteopathy, and chiropractic care are covered.

Included in Genki Native Premium. Limit €500 per year.

card1Sports injuries (all sports covered!)
Sports injuries (all sports covered!)

Yes, really. You can climb up, ski down, paddle out, and surf back. All sports, (even the dangerous ones) are covered!

Consequences of professional sports (you receive compensation) aren't covered.

cardImage
Sports injuries (all sports covered!)

Yes, really. You can climb up, ski down, paddle out, and surf back. All sports, (even the dangerous ones) are covered!

Consequences of professional sports (you receive compensation) aren't covered.

card1Mental well-being
Mental well-being

Inpatient psychiatric care, psychotherapy, and outpatient psychological treatment (including apps like BetterHelp™).

Psychotherapy and outpatient psychological treatment included in Genki Native Premium.

cardImage
Mental well-being

Inpatient psychiatric care, psychotherapy, and outpatient psychological treatment (including apps like BetterHelp™).

Psychotherapy and outpatient psychological treatment included in Genki Native Premium.

card1Medical transport to another country
Medical transport to another country

Transport to another country for medical reasons (for serious surgeries or long-term recovery).

cardImage
Medical transport to another country

Transport to another country for medical reasons (for serious surgeries or long-term recovery).

card1Repatriation
Repatriation

Transport of mortal remains to another country. Hopefully you never need this, but this coverage is often required for visa applications.

cardImage
Repatriation

Transport of mortal remains to another country. Hopefully you never need this, but this coverage is often required for visa applications.

Made for Nomads and Expats
    planet
    Genki Native –
    worldwide health insurance

    Answer just 5 questions to get an instant quote

Genki NativeOther insurance

Worldwide coverage - Stay put or move as often as you want

Checkmark

Often limited to one country or zone. Time limits for travel abroad.

Long-term - Stay covered as long as you need to

Checkmark

Often limited to 1 year or less. You need other long-term insurance.

Choose any doctor or hospital when you need care

Checkmark

Often restricted to "in-network" doctors and hospitals. Hope they speak your language.

Cover in your country of citizenship

Checkmark

Often excludes your home country. You need other insurance there.

Cover for injuries from sports and scooter accidents

Checkmark

May charge extra for sports cover. Dangerous sports & scooter accidents often excluded.

Payments to doctors and hospitals

We pay hospitals for you. When you pay, we reimburse you in a few days.

You have to pay upfront and to wait weeks or months for reimbursement.

Medical treatment (hospitals, doctors, surgery, etc)

Covered up to €1,000,000 (Basic) or without limit (Premium)

Lots of limits and exclusions for specific types of treatment.

Genki NativeOther insurance
Worldwide coverage - Stay put or move as often as you want
Checkmark

Often limited to one country or zone. Time limits for travel abroad.

Long-term - Stay covered as long as you need to
Checkmark

Often limited to 1 year or less. You need other long-term insurance.

Choose any doctor or hospital when you need care
Checkmark

Often restricted to "in-network" doctors and hospitals. Hope they speak your language.

Cover in your country of citizenship
Checkmark

Often excludes your home country. You need other insurance there.

Cover for injuries from sports and scooter accidents
Checkmark

May charge extra for sports cover. Dangerous sports & scooter accidents often excluded.

Payments to doctors and hospitals

We pay hospitals for you. When you pay, we reimburse you in a few days.

You have to pay upfront and to wait weeks or months for reimbursement.

Medical treatment (hospitals, doctors, surgery, etc)

Covered up to €1,000,000 (Basic) or without limit (Premium)

Lots of limits and exclusions for specific types of treatment.

Your Health is important!

Don’t rely on plans that stop at emergencies — low outpatient coverage,
no rehab and zero long-term care leave you vulnerable.

In case you're wondering...
  1. Do I really need health insurance for travel?
    Do I really need health insurance for travel?

    Show more

  2. Can I sign-up if I'm already abroad?
    Can I sign-up if I'm already abroad?

    Show more

  3. Which doctors and hospitals can I visit?
    Which doctors and hospitals can I visit?

    Show more

  4. How long does the insurance cover last?
    How long does the insurance cover last?

    Show more

  5. What is the process of filing a claim?
    What is the process of filing a claim?

    Show more

  6. Does Genki Native cover pre-existing conditions?
    Does Genki Native cover pre-existing conditions?

    Show more

  7. Why should I buy international health insurance when travel health insurance is much cheaper?
    Why should I buy international health insurance when travel health insurance is much cheaper?

    Show more

  1. Do I really need health insurance for travel?
    Do I really need health insurance for travel?

    Show more

  2. Can I sign-up if I'm already abroad?
    Can I sign-up if I'm already abroad?

    Show more

  3. Which doctors and hospitals can I visit?
    Which doctors and hospitals can I visit?

    Show more

  4. How long does the insurance cover last?
    How long does the insurance cover last?

    Show more

  5. What is the process of filing a claim?
    What is the process of filing a claim?

    Show more

  6. Does Genki Native cover pre-existing conditions?
    Does Genki Native cover pre-existing conditions?

    Show more

  7. Why should I buy international health insurance when travel health insurance is much cheaper?
    Why should I buy international health insurance when travel health insurance is much cheaper?

    Show more

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Our Mission

Our mission at Genki is to help you take great care of your health, no matter where in the world you go. We believe that more and more people will have the freedom to travel and live all over the world.

We're here to make health easier and more accessible for nomads, expats, and world travelers. We're not an insurance company. We're your health partner, always there to support you in your journey, wherever it may lead.

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The best of both worlds

With Genki Native you get modern insurance that's designed for your lifestyle, and backed by a leading re-insurer with nearly 200 years of experience and reliability.

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Table of Benefits
FeatureBasicPremium
BasicPremium
Overview
Medical treatments
Inpatient hospital stays & home care
Transport
Preventive care
Alternative care
Dental care
Vision care
Mental health care
Maternity care
Sports & activities
Region of coverage

Questions? We're here to help!

Chat with us on WhatsApp. We can help you choose the right insurance and answer all your questions.