International health insurance for life abroad. Compare Basic and Premium under the 1 September 2026 conditions: monthly cancellation after the first month and country-specific coverage rules.
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Check prices using each traveler's age when coverage starts.
Prices are retrieved from Genki and may change. Coverage is subject to the current policy terms and conditions. Option descriptions are shown as provided by Genki.
Genki Native is best compared for living abroad, international mobility, and longer-term health needs. Review Basic vs Premium, minimum term, deductible, and USA and nationality-country rules.
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Final price and plan details are confirmed in the official quote.
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Long-term international health insurance for global living.
Tier-based structure
Published enrollment window
September 2026 version; monthly cancellation
September 2026: Basic / Premium, age 30, no deductible
Per insurance year for Basic; Premium has a EUR 3.5M limit per insurance year
Per insurance year; not applied to hospitalization
Per insurance year
Not universal across all conditions
Genki Native pricing should be validated in the quote because it can vary by age, deductible, selected plan and underwriting. The September 2026 version has no region selection.
Genki Native is different from Genki Traveler. Review official benefit tables and policy wording for waiting periods, underwriting, pre-existing conditions, regional limits, and excluded treatment categories.
Genki Native may fit people who want health insurance for everyday life abroad, not only emergencies during a trip.
Genki Native is positioned for everything from minor injuries and common illnesses to emergencies and chronic diseases such as cancer, depending on the plan you choose.
The official page highlights routine doctor visits, hospital stays, and medical procedures such as surgeries, dialysis, and chemotherapy.
Support includes Genki customer care, 24/7 hospital assistance and direct hospital payment coordination. Reimbursement is subject to claims review; no fixed processing time is guaranteed here.
Under the 1 September 2026 conditions, coverage has a 1-month minimum, monthly cancellation, and no fixed maximum duration. You can join up to age 55, and once covered there is no age limit for continuing the cover.
Genki Native is positioned as worldwide health cover that can move with you across countries. The USA has emergency-only restrictions; Canada has no separate country restriction, but nationality-country rules still apply.
Outside the USA, Basic covers countries of nationality for 182 days after arrival following at least 91 consecutive days outside. Premium has no additional nationality-country restriction. Local mandatory insurance requirements still apply.
These are the official benefit areas to compare before deciding whether Basic or Premium fits your needs.
Genki Native lets members choose their own doctors and hospitals when they need eligible treatment.
The official page lists inpatient and outpatient procedures, doctor visits, exams, medication, and care for injuries, illnesses, and chronic conditions.
Emergency medical transport to a suitable hospital, 24/7 assistance, monitoring during hospitalization, and direct hospital payment support are part of the official positioning.
Premium includes maternity care such as prenatal care, childbirth, and postnatal support. A 12-month waiting period applies.
Premium includes dental care up to EUR 3,000 per insurance year, including implants. Basic dental treatments have a 3-month wait; crowns, bridges, dentures, implants, inlays and onlays have a 12-month wait. Dental waiting periods do not apply to documented accident-related treatment. Cleaning is limited to EUR 200 per insurance year within the dental limit.
Premium includes checkups, vaccinations, lab tests and screenings up to EUR 500 per insurance year after a 3-month waiting period.
Premium includes massage, acupuncture, homeopathy, osteopathy, and chiropractic care, with an official limit of EUR 500 per year.
Both plans cover psychiatric hospitalization. Premium adds psychiatry and talk therapy with prior approval. Mental health care has a 6-month waiting period, except life-threatening emergencies.
Eye and ear examinations are included in both Basic and Premium. Premium adds frames, lenses, and contact lenses up to EUR 250 per insurance year after a 6-month waiting period.
Rehabilitation care is included in both tiers, with a combined maximum of 20 days per insurance year in Basic and 30 days in Premium.
Genki says all sports are covered, including skiing, climbing, paddling, and surfing. Professional sports where you receive compensation are not covered.
Medical transport to another country can be covered when medically needed for serious surgery or long-term recovery, subject to the policy terms.
Transport of mortal remains to another country is listed as a benefit and can matter for some visa or international planning requirements.
Basic lists a EUR 1,000,000 annual overall limit. Premium adds broader everyday-care categories, a EUR 3,500,000 annual overall limit, and no additional nationality-country restrictions except in the USA.
Native usually does not replace mandatory local health insurance. If local law requires insurance and you do not hold it, costs that this local insurance would cover are excluded. Treatment that motivated travel or was already needed or foreseeable before arrival is also excluded, except covered repatriation for care.
USA: only medical emergencies starting within 91 days of arrival after at least 91 consecutive days outside, with a 3-month waiting period. Cover ends 10 days after becoming fit to travel. Annual limits: EUR 250,000 Basic / EUR 500,000 Premium. Follow-up care after becoming fit to travel: EUR 12,500 / EUR 25,000 per emergency, excluding repatriation. Canada has no separate restriction; nationality-country rules still apply.
These official conditions need careful review before purchase.
A practical summary; always confirm final details in the partner quote before buying.
| Coverage area | Summary | Condition |
|---|---|---|
| Plan model | Long-term international health | Tier-based structure |
| Signup age | 0 to 55 years | Published enrollment window |
| Minimum term | 1 month | September 2026 version; monthly cancellation |
| Example monthly premium | EUR 198 / EUR 297 | September 2026: Basic / Premium, age 30, no deductible |
| Overall coverage | Basic EUR 1M / Premium EUR 3.5M | Per insurance year for Basic; Premium has a EUR 3.5M limit per insurance year |
| Deductible options | EUR 0 / 500 / 1,000 | Per insurance year; not applied to hospitalization |
| U.S. maximum | Basic EUR 250k / Premium EUR 500k | Per insurance year |
| Coverage scope | Tier and policy wording dependent | Not universal across all conditions |
Designed for long-term international health coverage.
Built for ongoing healthcare needs across countries.
A travel policy may be more appropriate for a short trip.
Trip cancellation, delays, and baggage loss are not covered.
Consider it if the need is temporary travel health cover rather than long-term health insurance.
Review plan βAtlas NomadsConsider it if a nomad-focused travel medical product is closer to the trip structure.
Review plan βHeymondoConsider it if cancellation, baggage, or trip-protection benefits matter.
Review plan βConcise answers based on official documentation.
Official materials present it as long-term international health insurance.
Official help documentation explains eligibility and onboarding scenarios by profile.
Official references show example monthly ranges and final pricing by profile and age.
Official benefits table defines plan-level structures and limits.
No, official positioning is broader than short-trip emergency-only plans.
Coverage conditions depend on policy wording and underwriting criteria in official docs.
These official references support the benefits, limits, and product positioning summarized here.
Official overview of worldwide cover, doctor choice, and long-term international health positioning.
Official explanation of the difference between Traveler and Native.
Official benefits reference for plan-specific details and later comparison work.
Reviewed version: insurance conditions and benefits dated 1 September 2026. Example rates: September 2026. Reviewed 24 September 2026. Confirm the version applicable to your contract. We may earn a commission at no extra cost to you.
Review Genki Native if you need longer-term health insurance abroad rather than short-trip travel cover.
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