Imagine standing at Aling-Aling waterfall in Bali, adrenaline pumping as you leap into turquoise waters. An unforgettable experience—until something goes wrong. A miscalculated jump, a sudden injury, and suddenly, your nomad adventure turns into a search for medical help in a foreign country.
For digital nomads, adventure comes with risks. Whether you’re hiking in the Alps, riding a motorbike in Vietnam, or working from a beach café, unexpected accidents happen. That’s why having the right health insurance isn’t just for peace of mind—it’s a necessity.”
Genki Insurance, a 2021 startup designed for digital nomads, offers flexible, global health coverage. But is it the best option for you? In this review, we’ll break down Genki Explorer vs. Genki Native, compare it to competitors like SafetyWing and Heymondo, and help you decide which plan fits your lifestyle.
(This post contains affiliate links – I may earn a small commission at no extra cost to you)
🔹 What is Genki Insurance?
Genki is a Germany-licensed insurance provider designed specifically for digital nomads, remote workers, and long-term travelers. It partners with Allianz, Barmenia and DR-Walter for coverage and offers global health insurance, not just short-term travel insurance.
✅ Key Features of Genki Insurance:
- Worldwide Medical Emergency Coverage – Covers sudden injuries and illnesses anywhere.
- Choose Your Own Doctor – No network restrictions; visit any licensed provider.
- No Fixed Home Country Requirement – Perfect for nomads without a permanent address.
- Routine & Preventative Care (Plan-Dependent) – Available in Native Premium for check-ups, tests, and vaccines.
- Dental & Vision Coverage (Plan-Dependent) – Included only in Native Premium.
🔹 Genki Explorer vs. Genki Native: Which Plan is Right for You?
| Feature | Genki Explorer (monthly) | Genki Native (Basic) (minimum 1 year coverage) | Genki Native (Premium) (minimum 1 year coverage) |
|---|---|---|---|
| Best for | Medical emergencies while traveling | Essential long term care | Full global health coverage |
| Medical Emergencies | ✅ Yes | ✅ Yes | ✅ Yes |
| Routine Checkups | ❌ No | ❌ No | ✅ Yes |
| Mental Health | ✅ Yes | ❌ No | ✅ Yes |
| Maternity Care | ✅ Yes (waiting period of 10 months) | ❌ No | ✅ Yes (waiting period of 12 months) |
| Home Country Visits | ✅ Yes (6 weeks per 180 days) | ✅ Yes (up to 30 days and €250,000 per Insurance Year) | ✅ Yes (up to 30 days and €250,000 per Insurance Year) |
| Electronics Coverage | ❌ No | ❌ No | ❌ No |
| Sports & Adventure | ✅ Yes (excluding pro sports) | ✅ Yes (excluding pro sports) | ✅ Yes (excluding pro sports) |
| Pricing | 💰 Budget | 💰💰 Mid-range | 💰💰💰 Premium |
Which Plan Should You Choose?
- Choose Genki Native Premium if you want full health insurance, including routine checkups, dental care, eye care and maternity care.
- Choose Genki Explorer if you just need affordable emergency coverage while traveling and treatment for new injuries during travel.
🔹 Pros & Cons of Genki Insurance: What You Need to Know
✅ Pros:
- True Global Coverage – Unlike some insurers, Genki doesn’t require a home country for policy eligibility.
- Comprehensive Benefits (With Premium Plan) – Offers routine care, dental, vision, and maternity, which competitors often lack.
- Easy Online Customer Support – Via WhatsApp, 24/7 emergency assistance hotline, direct payment to hospitals
❌ Cons:
- No Pre-Existing Condition Coverage – Limited to acute onset cases.
- Higher Cost for Basic Coverage – More expensive than SafetyWing if you only need emergency care.
- No Electronics Coverage – Unlike Heymondo or SafetyWing (optional add-ons).
🔹 Pricing: How Much Does Genki Insurance Cost?
Genki’s pricing varies based on your age and chosen plan. Here’s a general idea of what to expect for an example of a 37 years old traveler:
- Genki Native Basic (comprehensive global health coverage): Starts at approximately €200 per month.
- Genki Native Premium (full coverage with routine care & maternity): Can cost €280 per month, depending on your age.
- Genki Explorer (medical emergency coverage with €50 deductible per case): Starts at around €58 per month.
For exact pricing based on your age and coverage needs
Get a personalized quote on Genki’s website →✅ Get Covered with Genki Explorer → ✅ Get Full Coverage with Genki Native →
🔹 Genki Insurance Review:
Genki Explorer vs. Other Nomad Insurance: Which Emergency Plan is Best?
| Feature | Genki Explorer | SafetyWing Essential | Heymondo | Cigna Global Silver | PassportCard Nomad (Compact) |
|---|---|---|---|---|---|
| Routine Care | ❌ No | ❌ No | ❌ No | ✅ Optional add-on | ✅ Yes |
| Maternity | ✅ Yes | ✅ Yes | ❌ No | ❌ No | ❌ No |
| Adventure Sports | ✅ Yes | ✅ Optional add-on | ✅ Optional add-on | ❌ No | ❌ No |
| Home Country Visits | ✅ Yes | ✅ Yes (30 days) | ❌ No | ✅ Optional add-on | ❌ No |
| Electronics Coverage | ❌ No | ✅ Optional add-on | ✅ Optional add-on | ❌ No | ❌ No |
| Mental Health | ✅ Yes | ❌ No | ❌ No | ✅ Yes | ✅ Yes (Pre-approval required) |
🔹 How to Sign Up for Genki Insurance
Signing up for Genki is 100% online and takes only a few minutes:
- Go to the Genki website
- Choose between Explorer or Native
- Enter your age & travel plans
- Get a quote and purchase instantly
💡 No medical exams or long paperwork needed!
🔹 Final Verdict: Is Genki the Right Insurance for You?
✅ Genki is ideal if you:
- Need emergency or comprehensive health coverage (Explorer = emergencies, Native Premium = full care).
- Want benefits like routine care, mental health support, or maternity (only in Native Premium).
- Prefer a trusted EU-based insurer (Allianz-backed) – Strong financial backing and regulatory protection.
- Travel full-time without a fixed home base – No residency requirements or need to return home for renewals.
❌ Genki might not be for you if you:
- Want the cheapest emergency-only plan – SafetyWing offers a lower-cost alternative.
- Need electronics or baggage coverage – Heymondo includes these as optional add-ons.
- Prefer an insurer with optional add-ons for dental, vision, or outpatient care – Cigna Global lets you customize your coverage with extra benefits.
🔹 Frequently Asked Questions
1. Can I sign up for Genki if I’m already abroad?
✅ Yes! You don’t need to be in your home country to enroll.
2. Does Genki cover dental care?
❌ No for Genki Explorer and Native Basic, it doesn’t cover routine dental, but it does cover emergency dental treatment. However, Genki Native Premium does include routine dental care (fillings, checkups, cleaning) in addition to emergency dental care.
3. Does Genki cover adventure sports?
✅ Yes! Genki covers many adventure sports, including hiking, scuba diving, and motorbiking—as long as they’re non-professional.
🔹 Final Thoughts On Genki Insurance Review
Genki is a great option for digital nomads who need emergency coverage—or those who need comprehensive healthcare beyond emergencies. It offers routine healthcare, mental health support, and maternity coverage—features most nomad insurances lack.
👉 Don’t forget to get a quote from Genki Insurance here.
Want to learn more about what to look for when choosing an insurance for expats, nomads and frequent flyers? Check out my other blog post: A Practical Guide to Digital Nomad Insurance 2025.
Wondering if your credit card travel insurance will give you some coverage? See my post on Credit Card Vs Travel Insurance in Canada – How to Pick.
Last but not least, don’t forget travel vaccines for your trip! Read my post on How to Find Out Which Travel Vaccines You Need: A Simple Guide.
Disclaimer: This article is for informational purposes only and does not constitute financial, insurance, or medical advice. While I strive to provide accurate and up-to-date information, insurance policies and coverage details may change. Please review the official policy documents and consult with the insurance provider before making a decision. Some links in this post are affiliate links, meaning I may earn a commission at no extra cost to you if you make a purchase.