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Genki Native Benefits

Genki Native
Basic
Premium
Overview
Maximum coverage
Combined limit for everything covered under your insurance
€1,000,000
per Insurance Year
€3,500,000
per Insurance Year
Consultations
Evaluation of your symptoms by a doctor
Examinations
Medical diagnostic tests, such as CT, ECG, EKG, MRI, PET, and X-ray
Procedures
Medical treatments from minor interventions to major surgery
Medication
Prescription drugs, such as antibiotics and painkillers
Materials
Medical materials such as bandages, casts, and plasters
Aids
Crutches, walkers, and wheelchairs (basic variants of each)
Doctor’s visits & hospitalization
Also called “outpatient” & “inpatient”
Free choice of doctors & hospitals
In a few cases, an alternative hospital might be required
Direct payment for hospitalization at any hospital
Including a guarantee of payment upfront, if the hospital allows
Second medical opinion
From a different doctor — better safe than sorry in serious cases
Requires prior approval
Requires prior approval
Deductible options (costs that you pay yourself)
Applies to all covered costs except costs for hospitalization
€0, €500, or €1,000
per Insurance Year
€0, €500, or €1,000
per Insurance Year
Get covered
All features
Basic
Premium
❤️ General Care
Anything that does not fall under more specific care sections
Common ailments
Colds, flu, minor infections, allergies, or other diseases or illnesses
Chronic conditions
Ongoing treatment of diseases such as diabetes or asthma
Injury care
Fractures, burns, wounds, and similar accident-related problems
Emergency care
Critical treatment for sudden disease or injury, incl. intensive care
Serious diseases
Major infections or systemic diseases, such as pneumonia or sepsis
Cancer treatment
Therapies such as chemotherapy and radiotherapy
Organ transplants
Transplant surgery, hospitalization, and post-transplant follow-up
Palliative Care
Relief of symptoms and support with quality of life in serious illness
🏥 Hospitalization
Hospital room
Coverage is limited to the cost of a certain room type
Shared room
Single room
Home nursing care
At the place where you currently live, even if just temporarily
Requires prior approval
Comfort benefits
Luxury room, TV, internet, telephone, pizza delivery, etc.
💆 Rehabilitation care
Maximum coverage
Combined limit for everything covered under “Rehabilitation Care”
20 days per Insurance Year
30 days per Insurance Year
Cardiac rehabilitation
Supervised exercise and education for heart recovery
Occupational therapy
Training and tools to regain daily living skills
Physical therapy
Hands-on treatments to restore movement and reduce pain
Pulmonary rehabilitation
Breathing training and fitness to improve lung function
Speech therapy
Techniques to improve speaking, swallowing, or cognition
🚑 Transportation
Transportation to a Hospital
To the nearest suitable hospital by any ambulance
Transportation to specific treatments
For dialysis, radiation therapy, or chemotherapy treatment
Requires prior approval
Requires prior approval
Repatriation for care
If care where you are is unavailable, costlier, or too much alone
Repatriation of mortal remains
If you die abroad, we bring you to a country your family chooses
Requires prior approval
Requires prior approval
🧪 Preventive care
Waiting period
Applies to “Preventive Care”
3 months
3 months
Maximum coverage
Combined limit for everything covered under “Preventive Care”
No coverage
€500
per Insurance Year
General checkups
Routine health assessments to catch issues early
Eye & ear checkups
Routine eye/ear exams and vision/hearing screenings
Examinations
Screenings like cancer screening, colonoscopy, and Pap tests
Tests
Laboratory analyses incl. blood glucose, cholesterol, and STI tests
Vaccinations
Immunizations such as hepatitis, malaria, rabies, and tetanus
💆 Alternative care
Covered only if prescribed or if you obtain prior approval
Maximum coverage
Combined limit for everything covered under “Alternative Care”
No coverage
€500
per Insurance Year
Acupuncture
Insertion of thin needles at specific body points
Chiropractic
Manual adjustment of the spine and other joints
Homeopathy
Treatment with highly diluted natural substances
Massages
Manual manipulation of muscles and soft tissues
Osteopathy
Hands-on manipulation of muscles and joints throughout the body
🦷 Dental care
Maximum coverage
Combined limit for everything covered under “Dental Care”
no coverage
€3,000
per Insurance Year
Bridges
Fixed replacements for missing teeth with high-quality materials
12-month waiting period*
Checkups
Routine oral examinations
3-month waiting period*
Cleaning
Professional removal of plaque and tartar
€200 per Insurance Year; 3-month waiting period*
Crowns
Caps that fully cover damaged teeth with high-quality materials
12-month waiting period*
Dentures
Removable replacements for missing teeth, including repairs
12-month waiting period*
Endodontics
Root-canal and other treatments to relieve pain and save the tooth
3-month waiting period*
Extractions
Removal of teeth
3-month waiting period*
Fillings
Restorations of cavities with high-quality materials
3-month waiting period*
Implants
Surgically placed artificial roots that anchor replacement teeth
12-month waiting period*
Inlays & Onlays
Custom fillings for larger cavities with high-quality materials
12-month waiting period*
Periodontics
Treatment of the gums and the bone holding the teeth
3-month waiting period*
Orthodontics
Straightening of teeth & jaws with braces or aligners like Invisalign®

There is no waiting period if treatment is needed as a result of an accident proven to the insurer by a doctor or a police report.
👁️ Eye & ear care
Eye & ear examinations
Tests to diagnose eye/ear health issues or vision/hearing problems
Eye & ear checkups
Routine eye/ear exams and hearing screenings to catch issues early
Covered under "Preventive care"
Frames, lenses & contact lenses
Visual aids you need to correct bad eyesight
€250 per Insurance Year and 6-month waiting period
Eyesight correction surgery
Laser surgery or implants to permanently improve your vision
Hearing aids
Devices that amplify sound for hearing loss
🧘 Mental health care
Waiting period
Applies to “Mental Health Care”
6 months
6 months
Psychiatric hospitalization
24-hour treatment and support for acute mental health crises
Psychiatry
Visits with a psychiatrist for diagnosis and medication management
Requires prior approval
Talk therapy
Sessions with a psychologist or psychotherapist
Requires prior approval
Therapy apps
Online talk therapy through specialized apps
Only if talk therapy is prescribed & covered
🫄Maternity care
Waiting period
Applies to “Maternity Care” unless stated otherwise
-
12 months
Prenatal checkups
Regular doctor visits to monitor you and your unborn child
Ultrasounds
Imaging scans to check the development and health of your baby
First-trimester screening
Early check for chromosomal abnormalities
Amniocentesis
Taking the womb fluid to check the health of your unborn child
Preparation courses & postnatal exercises
Preparation for having a baby & recovery after childbirth
€500 per pregnancy
Midwives & obstetricians
Support from medical professionals during & after your pregnancy
Childbirth
Delivery in a Hospital, in a birthing center, or at home
Postnatal care
Checkups, guidance, and vaccinations after birth
Complications
Treatment of health issues of you or your unborn child
Severe complications
Life-threatening emergencies of you or your unborn child
No waiting period
No waiting period
Termination
Medically indicated ending of pregnancy for medical reasons
No waiting period for life-threatening emergency
No waiting period for life-threatening emergency
🫂 Family care
Hospital visits
Travel and stay for one family member near your hospital
€5,000 per Insurance Year
€5,000 per Insurance Year
Babysitting
Caretaking of your children while you are in the Hospital
Parent beds
An extra bed in your hospital for one of your parents
€45 per day for 7 days
🏀 Activities
Coverage of treatment and harm caused by these
Climbing
Any kind
Cycling & mountain biking
Any kind
Diving
Any kind and depth
Hiking, trekking & mountaineering
Any kind and all the way to the top
Martial arts
Any kind, including Muay Thai
Motorcycle & scooter driving
As the driver, you must wear a helmet; optional as a passenger
Parachuting & -gliding & base jumping
Any kind, including skydiving
Sailing
Any kind, including coastal and offshore
Skiing & snowboarding
Any kind
Surfing
Any kind
Professional sports
Meaning you receive regular compensation for your participation
Other activities
Anything not mentioned above
🏳️ Coverage by country
Almost all countries
All countries, except your countries of nationality, Canada & USA
full coverage*
full coverage*
Countries of nationality
Countries that recognize you as a national, except USA
182 days full coverage*
full coverage*
USA
91 days emergency only*
91 days emergency only*
USA — Overall maximum Coverage Amount
Total limit for all care received there
€250,000
per Insurance Year
€500,000
per Insurance Year
USA — Follow-up care for a medical emergency
Limit for care after you become fit to travel, other than repatriation
€12,500
per medical emergency
€25,000
per medical emergency
USA — Waiting period
There is no coverage in the USA within the waiting period
3 months
3 months

91 days emergency only: Care is covered only for a medical emergency, including its follow-up care, repatriation for care, and

repatriation of mortal remains. This cover applies only if the emergency starts in the country within the 91 days that begin on

the day you arrived, after at least 91 consecutive days outside of it. This cover ends when you become fit to travel, plus the

10 days that follow.

182 days full coverage: Care is covered only during the 182 days that begin on the day you arrived in the country, after at least

91 consecutive days outside of it.

full coverage: There are no country-specific restrictions on coverage.

Documents
Table of Benefits
Details of great benefits included
Insurance Overview
Insurance Product Information Document (IPID)
Insurance Conditions
Full insurance contract
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