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Genki Insurance Review: Comparing Genki Explorer vs Genki Resident

Last updated on January 30th, 2024 at 05:57 am

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Today we give you a full look at our Genki Insurance Review, comparing its two plans: Genki Resident and Genki Explorer.

While Resident Plan gives lifetime coverage, Genki Explorer serves the dynamic needs of frequent travelers and nomads.

If you’re looking for reliable travel insurance to handle your travel needs, hang on and check out our full review of Genki and their Explorer Plan and Resident Plan.

The dynamic lifestyle of digital nomads requires a flexible, reliable, and comprehensive insurance plan. For many, Genki Travel Health Insurance provides just that. This detailed review dives into why Genki stands out as a viable choice for digital nomads, thoroughly examining its pros and cons.

Genki Insurance Review: Genki’s Appeal for Digital Nomads

Digital nomads need an insurance plan that can keep up with their ever-changing location and lifestyle. Genki caters specifically to this demographic by providing health insurance coverage from one month up to two years, with an easily cancellable monthly subscription model. This adaptability makes it an ideal fit for those with fluid travel plans.

Read here a comparison Genki vs World Nomads, Safetywing vs Genki Heymondo vs Genki and Best Senior Travel Insurance

Genki’s Comprehensive Medical Coverage

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Genki’s Explorer plan offers robust coverage for a wide range of medical needs, making it an attractive option for digital nomads. Explorer Plan starts at €35.

But this is not the only Genki Travel Insurance available, as they have also released Genki Resident.

Genki’s Resident Plan is ideal for long stays and includes preventive care, while Genki Explorer is tailored for nomadic lifestyle and flexibility

Let’s review both in detail below.

Genki Explorer: Travel Health Insurance

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Genki Explorer is designed to provide maximum flexibility for frequent travelers such as digital nomads and backpackers. With a monthly subscription model that allows for coverage from one month up to two years, it offers extensive coverage for medical treatment globally. This plan is available to anyone, irrespective of citizenship or residence, aged up to 69.

Genki Explorer Insurance Coverage

1. Worldwide Medical Treatment: Coverage includes treatment at any globally recognized healthcare provider, with provisions for both inpatient and outpatient visits.

2. Sports-Related Injuries: A wide range of sports are covered, with the exception of those listed under Dangerous Activities. Examples of covered sports include surfing, kitesurfing, skiing, snowboarding, kayaking, cycling, mountain biking, and hiking.

3. Assistance and Direct Billing: A 24/7 emergency hotline is available to ensure high-quality care. Payments can be directly organized and guaranteed to the hospital by MD Medicus & Global Excel.

4. Hospital Visit Coverage: In case of extended hospital stays (over five days), travel costs for a close friend or family member’s visit are covered.

5. Medical Transportation: This includes transportation costs to the nearest appropriate hospital. If recovery is protracted, a return to the home country can be arranged.

6. Repatriation: Repatriation of mortal remains to the home country is covered, or alternatively, burial abroad up to the cost of repatriation.

7. Pregnancy Coverage: Coverage includes check-ups up to the 12th week of pregnancy, two ultrasound examinations, complications treatment, labor including birth assistants & midwives, and postnatal care up to €50,000.

8. Emergency Dental Treatment: Pain relief treatment up to €500 per case, and necessary treatment as a result of an accident up to €1,000 per case are included.

9. Initial Mental Health Treatment: Initial outpatient treatment of mental illnesses up to €1,500 per year. Emergency inpatient treatment for first-time mental and emotional disorders up to €20,000 per year.

10. COVID-19 Treatment: COVID-19 treatment is covered without cost limit. Quarantines, however, aren’t covered as they are not medically necessary.

11. Medication and Materials: Medically necessary medication, remedies, and dressing material are covered.

What isn’t Covered:

1. Pre-existing Conditions: Medical conditions within six months before the insurance commencement aren’t covered.

2. Dangerous Activities: Activities such as diving, motorcycle & car racing, parachuting, paragliding, bungee & base jumping, free climbing, and mountaineering aren’t covered.

3. Professional Sports: Consequences of professional sports aren’t covered.

4. Drug & Excessive Alcohol Consumption: Consequences aren’t covered.

5. Active Participation in War: Consequences aren’t covered. Passive activities such as a journalist reporting from a war zone are covered.

6. Medical Tourism: If the main purpose of the travel is medical treatment, it isn’t covered.

7. Non-Medical Travel-Related Costs: Trip cancellations, interruptions, flight delays, lost luggage, theft or burglary losses, and personal liabilities aren’t covered.

Insurance Restrictions:

1. Deductible: A deductible of €50 per case can be chosen to reduce insurance cost. In the case of treatment in U.S. emergency rooms, €250 will be deducted unless medically necessary.

2. Home Country Cover: Cover in your home country is limited to 6 weeks per 180 days and only includes accidents and life-threatening emergencies.

3. Waiting Period: If the insurance is acquired from abroad, the first 14 days of coverage are limited to accidents and emergencies.

4. Pre-existing Pregnancy: Coverage is limited to acute and unforeseeable health deterioration in the mother or child.

Insurance Payment and Duration:

The first month’s payment will be charged at the time of signing up for the insurance subscription. Monthly payments will be automatically deducted on the same date each month, using any supported credit or debit card. The price of the insurance remains consistent throughout the subscription period. Coverage starts from the selected date and continues up to two years. Subscriptions can be cancelled on a monthly basis via the website.

Introducing Genki Resident: International Health Insurance Tailored for Long-term Travelers

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A revolutionary and comprehensive healthcare offer, Genki Resident is designed for those seeking extended or lifelong travel experiences.

It offers extensive coverage for medical treatment, preventive care, and all sports activities, making it a perfect fit for individuals, couples, and families of all ages and nationalities.

Its flexible payment system offers lifetime coverage with a minimum commitment of one year and monthly payments.

What Does Genki Resident Cover?

  • Comprehensive Medical Treatment: With Genki Resident, you’re assured access to medical treatment at any locally recognized healthcare provider worldwide. This includes both inpatient (overnight stays) and outpatient treatments.
  • All-Inclusive Sports Coverage: This plan covers all types of sports as long as you’re not a professional athlete. Whether you enjoy surfing, skiing, snowboarding, diving, kayaking, cycling, hiking, or indoor & outdoor climbing, you’re covered.
  • Telemedicine Services: Consult with a doctor via a video call using a convenient app on your smartphone. This service is provided by Air Doctor.
  • Direct Payment to Doctors: Find a doctor, schedule an appointment, and let Genki Resident handle the payment directly, all through the Air Doctor app.
  • 24/7 Assistance & Direct Billing: In case of emergencies and hospital stays, you’ll have access to a 24/7 hotline. They guarantee and organize direct payments to your hospital, ensuring you receive high-quality care. This service is provided by MD Medicus & Global Excel.
  • Preventive Care & Vaccinations: Genki Resident Premium mirrors the preventive care and vaccination coverage level of Germany’s public healthcare system.
  • Dental Treatment: It covers high-quality dental treatments including fillings, inlays, tooth extractions, and root canals.
  • Vision Coverage: Genki Resident Premium offers coverage for prescription glasses, contact lenses, and sunglasses up to €300 every two years, as well as up to €2,000 per eye for vision correction procedures such as LASIK and implantable contact lenses.
  • Mental Health Support: Initial psychological care for outpatient treatment for mental health issues are covered.
  • Pregnancy and Postnatal Care: Comprehensive coverage for prenatal care, childbirth, and postnatal care, including ultrasound, treatment of complications, and birth assistants & midwives.
  • Alternative Treatments: It covers acupuncture, Traditional Chinese Medicine, herbal medicines, homeopathy, massages, and similar alternative treatments.
  • Coverage for Pre-existing Conditions: Many pre-existing conditions may be covered, subject to a review of your medical history.
  • Room & Board During Hospitalization: Genki Resident Premium covers the cost of a single room and meals during hospitalization, as well as treatment by the chief physician.
  • Rehabilitation Measures: Coverage for medically necessary inpatient rehabilitation measures and up to 20 days of outpatient rehabilitation measures.
  • Medication & Materials: Coverage for necessary medication, remedies, and dressing material.
  • Medical Transport & Repatriation: Coverage for transportation costs to the nearest suitable hospital and repatriation to your home country if your recovery period is prolonged.

What’s Excluded from Genki Resident Coverage?

  • Lifestyle Products: Products related to wellness & beauty, hair growth, weight reduction, potency, contraceptives, nutrients, vitamins, and cosmetics are not covered.
  • Professional Sports & Active Participation in War: Consequences of professional sports or actively participating in war activities aren’t covered.
  • Medical Tourism: Traveling specifically for medical treatment isn’t covered.
  • Non-medical Travel-Related Costs: Trip cancellations, flight delays, lost luggage, theft or burglary, and personal liabilities aren’t covered.

Are There Any Restrictions?

Certain restrictions apply, including a deductible option, limited coverage in your home country, waiting periods for certain treatments, and potential exclusion for pre-existing pregnancies.

Where Are You Covered?

Genki Resident offers global coverage, with an option to limit coverage in Canada and the USA for a lower monthly price.

How Do Payments Work?

Payments are made securely using any supported credit or debit card via Stripe, following industry-leading security standards.

When Does the Coverage Start and End?

Your coverage begins from the date you choose. There is no time limit on the coverage, and the minimum subscription period is one year.

How Do You Cancel the Contract?

Cancellation can be made on the website anytime after the minimum period of one year.

The Type of Traveler Genki is Good For – Genki Travel Insurance Review

The decision to choose Genki as a travel health insurance provider should come after careful consideration of individual needs, travel plans, and risk tolerance.

For digital nomads who prioritize comprehensive medical coverage, flexible deductibles, and a straightforward payment plan, Genki proves to be a strong contender. Its affordable pricing, comprehensive medical coverage, and adaptability make it an attractive choice for many.

However, to make sure that this is the perfect insurance for your needs, just make sure that the type of travel you’ll be doing is covered.

The Buying Process – Genki Travel Insurance Review

Acquiring a Genki insurance plan is a smooth, online process that aligns with the digital lifestyle of the modern nomad:

  1. Visit Genki’s website and select a plan based on your age.
  2. Provide your personal information to receive a free quote.
  3. Choose the coverage and deductible option that aligns with your needs and budget.
  4. Purchase the insurance and embark on your journey with peace of mind.

The process’s simplicity, combined with automatic monthly payments that can be halted at any time, adds to the appeal of Genki for digital nomads.

A Final Word on Genki Travel Insurance Review

The lifestyle of a digital nomad is liberating yet comes with its own set of challenges. Having a reliable, comprehensive, and flexible travel insurance plan can mitigate potential risks and contribute to a more secure and enjoyable journey.

Genki’s Explorer plan is a great alternative for reliable insurance for digital nomads starting at €35.

Resident plan from Genki provides lifetime coverage, while Explorer serves the dynamic needs of frequent travelers and nomads.

Genki Travel Health Insurance, with its focus on comprehensive health coverage, various deductible options, and wide coverage, is an enticing choice. It offers a level of freedom that suits the lifestyle of many digital nomads and long-term travelers. As always for your travel insurance, individual needs and circumstances should guide the decision-making process.

Remember, the goal is to strike a balance between cost, coverage, and flexibility to ensure a safe and worry-free adventure. As such, a thorough understanding of what Genki does and doesn’t cover will empower you to make an informed decision. We recommend trying them out. Hope we were able to give you a good view of what they can offer and let us know if you have questions! Safe travels!

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