Genki Native Benefits
| Overview | Basic | Premium |
|---|---|---|
Maximum benefits amount (combined limit for everything covered under Your Insurance) | €1 million per Insurance Year | unlimited |
Accidents & emergencies (it does not matter whose fault it is, just get well soon) | ✔ | ✔ |
Illnesses & ailments (from the common cold to diseases that You never heard of) | ✔ | ✔ |
Chronic conditions (including cancer, diabetes, Crohn's, and other frustrating ones) | ✔ | ✔ |
Outpatient medical treatment (Doctor’s visits & Hospital stays without a bed assigned to You) | ✔ | ✔ |
Inpatient medical treatment (Hospital stays with a bed assigned to You) | ✔ | ✔ |
Free choice of Doctors and Hospitals (or any other medical practitioner) | ✔ | ✔ |
Emergency medical transport to a suitable hospital (by road, air, water, or rail ambulance) | ✔ | ✔ |
Direct payment to any Hospitals (Inpatient) (including a guarantee of payment upfront) | ✔ | ✔ |
Direct payment to selected Doctors (Outpatient) (not available — We are still working on this one) | ❌ | ❌ |
Deductible options (applies to Outpatient only) (You pay some expenses by Yourself to get a lower insurance price) | €0, €500, or €1,000 per Insurance Year | €0, €500, or €1,000 per Insurance Year |
| Medical treatments | Basic | Premium |
|---|---|---|
Medical consultations (You visit a Doctor to investigate a medical condition You have) | ✔ | ✔ |
Medical examinations (including CT, MRI, PET, and other cool abbreviations) | ✔ | ✔ |
Medical procedures & related expenses (including surgery, dialysis, colonoscopy, and chemotherapy) | ✔ | ✔ |
Organ transplants (costs of the recipient and the awesome donor, but not for search) | ✔ | ✔ |
Prescribed medication, medical materials & devices (including drugs, bandages, crutches, wheelchairs) | ✔ | ✔ |
Physiotherapy (only if prescribed) | ✔ | ✔ |
Palliative care (relief from symptoms, pain, and stress of a serious disease) | ✔ | ✔ |
Rehabilitation (Inpatient & Outpatient) (if the related Hospital stay was covered and within the past month) | ✔ 20 days per Insurance Year | ✔ 30 days per Insurance Year |
Second Doctor’s opinion (better safe than sorry in serious cases) | ✔ requires Prior Approval | ✔ requires Prior Approval |
| Inpatient hospital stays & home care | Basic | Premium |
|---|---|---|
Accommodation & meals (double room, if available, and standard meals) | ✔ | ✔ |
Blood bag transport (organized by the Hospital) (in case Your blood type is not available locally when needed) | ✔ | ✔ |
Life-sustaining medical devices (ventilators, pacemakers, insulin pumps, and other fancy machines) | ✔ | ✔ |
Single-room accommodation (an upgrade to stay for Yourself and enjoy the silence) | ❌ | ✔ |
Home nursing care (only Medically Necessary care) (immediately after or as a replacement for a covered Inpatient stay) | ❌ | ✔ requires Prior Approval |
Additional bed for one parent (during an Inpatient stay of Your insured child) | ❌ | ✔ |
Babysitting of Your children (organized by You) (during Your Inpatient stay if Your family cannot take care of them) | ❌ | ✔ €45 per day for 7 days |
Comfort benefits (TV, internet, telephone, pizza delivery, etc.) | ❌ | ❌ |
| Transport | Basic | Premium |
|---|---|---|
Emergency transport to the nearest suitable hospital (by road, air, water, or rail ambulance) | ✔ | ✔ |
Transport to and from specific Outpatient treatment (for covered dialysis, radiation-, or chemotherapy) | ✔ | ✔ |
Transport to another country for medical reasons (for serious surgeries or long-term recovery) | ✔ requires Prior Approval | ✔ requires Prior Approval |
Transport of mortal remains to another country (relevant to Your family – do not worry about this one) | ✔ requires Prior Approval | ✔ requires Prior Approval |
| Preventive care (You decide what You get checked) | Basic | Premium |
|---|---|---|
Maximum benefits amount (combined limit for everything covered under “Preventive care”) | no coverage | €250 per Insurance Year |
Checkups (routine health assessments for the early detection of diseases) | ❌ | ✔ |
Preventive medical examinations (including Pap test, colonoscopy, sonography, cancer screening) | ❌ | ✔ |
Preventive laboratory tests (including cholesterol LDL/HDL, triglycerides, glucose, and STDs) | ❌ | ✔ |
Vaccinations (including malaria, rabies, hepatitis, tetanus, and yellow fever) | ❌ | ✔ |
Genetic testing (analyzing Your DNA to identify potential genetic predispositions) | ❌ | ❌ |
| Alternative care (only covered if prescribed or Prior Approval was given) | Basic | Premium |
|---|---|---|
Maximum benefits amount (combined limit for everything covered under “Alternative care”) | no coverage | €500 per Insurance Year |
| Osteopathy & chiropractic | ❌ | ✔ |
| Massages & acupuncture | ❌ | ✔ |
| Homeopathy | ❌ | ✔ |
| Traditional Chinese medicine | ❌ | ❌ |
| Other alternative care | ❌ | ❌ |
| Dental care | Basic | Premium |
|---|---|---|
Maximum benefits amount (combined limit for everything covered under “Dental care”) | no coverage | €2,000 per Insurance Year |
Pain relief (but it is better to make use of Your checkup and cleaning benefits) | ❌ | ✔ |
Fillings (including high-quality materials and repairs) | ❌ | ✔ |
Inlays & onlays (including high-quality materials and repairs) | ❌ | ✔ 12-month Waiting Period* |
Crowns & bridges (including high-quality materials and repairs) | ❌ | ✔ 12-month Waiting Period* |
Extractions (removal of teeth – ouch) | ❌ | ✔ |
Checkups (very helpful to avoid very unpleasant dentist visits) | ❌ | ✔ |
Professional cleaning (also helpful to avoid unpleasant dentist visits and feels so good) | ❌ | ✔ €200 per Insurance Year |
Dentures (removable replacements for missing teeth, including repairs) | ❌ | ✔ 12-month Waiting Period* |
Implants (artificial tooth roots, surgically placed into the jawbone – ouch) | ❌ | ❌ |
Bleaching (whitening and brightening of discolored teeth) | ❌ | ❌ |
Orthodontics (correction of irregularities of teeth and jaw, including Invisalign®) | ❌ | ❌ |
Other dental treatment (if prescribed, like infection treatment, or root canal therapy) | ❌ | ✔ |
* 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. | ||
| Vision care | Basic | Premium |
|---|---|---|
Prescribed examinations (usually because of problems with Your eyesight) | ✔ | ✔ |
Preventive checkups (including eye exams and vision screenings) | ❌ | covered under
“Preventive care” |
Frames & lenses (if prescribed by a medical eye care professional) | ❌ | ✔ €250 per Insurance Year |
Contact lenses (if prescribed by a medical eye care professional) | ❌ | ✔ €250 per Insurance Year |
Eyesight correction surgery (including contact lens implants and laser surgery) | ❌ | ❌ |
| Mental health care | Basic | Premium |
|---|---|---|
Inpatient psychiatric care (mental health treatment that requires intensive care & supervision) | ✔ | ✔ |
Inpatient psychotherapy (admitted to a psychiatric facility for intensive mental health care) | ❌ | ✔ |
Outpatient psychological treatment (including psychiatrists, psychologists & psychotherapists) | ❌ | ✔ requires Prior Approval |
Psychotherapy apps (only if psychotherapy is prescribed; includes BetterHelp™) | ❌ | ✔ requires Prior Approval |
| Maternity care (only covered if You are the one pregnant) | Basic | Premium |
|---|---|---|
Waiting period (for everything under “Maternity care” unless stated otherwise) | - | 12 months |
Prenatal checkups (routine pregnancy checkups for the health of You and Your baby) | ❌ | ✔ |
Ultrasounds (as many as Your Doctor considers Medically Necessary) | ❌ | ✔ |
First-trimester screening (procedure to check for chromosomal abnormalities early) | ❌ | ✔ |
Amniocentesis (procedure to check Your baby's health through womb fluid) | ❌ | ✔ |
Preparation courses & postnatal exercises (preparation for having a baby & recovery after childbirth) | ❌ | ✔ €500 per pregnancy |
Midwives, birth assistants & obstetrics (expert support during and after pregnancy and childbirth) | ❌ | ✔ |
Childbirth (at a regular hospital) | ❌ | ✔ |
Childbirth (at home) | ❌ | ✔ |
Childbirth (at a birthing center) | ❌ | ❌ |
Postnatal care (relevant checkups, support, guidance, and vaccinations) | ❌ | ✔ |
Complications (unexpected severe deterioration of the health of You or Your baby) | ✔ no Waiting Period | ✔ no Waiting Period |
Termination (Medically Necessary) | ✔ no Waiting Period | ✔ no Waiting Period |
Termination (not Medically Necessary) | ❌ | ❌ |
| Sports & activities (coverage of treatment for harm caused by these) | Basic | Premium |
|---|---|---|
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 (You as the driver must wear a helmet, optional as the passenger) | ✔ | ✔ |
Parachuting & -gliding, skydiving & base jumping (any kind) | ✔ | ✔ |
Sailing (any kind, including coastal and offshore) | ✔ | ✔ |
Skiing & snowboarding (any kind) | ✔ | ✔ |
Surfing (any kind) | ✔ | ✔ |
| Other sports | ✔ | ✔ |
Professional sports (meaning You receive regular compensation for Your participation) | ❌ | ❌ |
| Region of coverage (You are covered in all countries, but some are limited) | Basic | Premium |
|---|---|---|
Canada & USA (these have by far the most expensive healthcare, unfortunately) | ❗️ always limited* | ❗️ always limited* |
Countries of citizenship (You are a citizen of these countries) | ❗️ always limited* | ✔ excluding Canada & USA |
All other countries (countries not listed above) | ✔ | ✔ |
* Coverage in these countries is limited to a combined total of 30 days and €250,000 per Insurance Year, and to Life‑threatening Emergencies & transport to another country. | ||
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