If you live abroad and want to leave nothing to chance when it comes to your health, Genki Native Premium is Genki's most comprehensive long-term plan. On top of all Basic benefits like outpatient and inpatient treatment, chronic conditions, and emergency transport, Premium also covers dental treatment, preventive check-ups, vision care, mental health support, pregnancy & childbirth, and alternative medicine — with no overall coverage limit.
Coverage Overview
| Benefit | Details |
|---|---|
| Coverage amount | Unlimited — no maximum per insurance year |
| Eligibility | 0 to 55 years old at sign-up |
| Duration | From 1 year, renewable indefinitely — even for life |
| Coverage area | Worldwide, including full cover in your own home country |
| All Basic benefits | Outpatient & inpatient treatment, chronic conditions, emergency transport, direct hospital billing, sports injuries, rehab, inpatient psychiatric care |
| Preventive care | Annual allowance up to €250 for check-ups, vaccinations, lab tests |
| Dental care | Checkups, cleaning, plus fillings, root canals, crowns & bridges (with increasing limits during the first years) |
| Vision care | Eye exams, glasses, and contact lenses |
| Mental health | Outpatient psychotherapy and apps like BetterHelp™ |
| Pregnancy & childbirth | Prenatal care, childbirth (hospital or home), ultrasounds, midwives (12-month waiting period) |
| Alternative care | Massage, acupuncture, homeopathy, osteopathy & more (up to €500/year) |
| Support | 24/7 emergency hotline, WhatsApp customer support, reimbursement typically in 3 business days |
Why Genki Native Premium is the Right Choice
- Truly complete cover: From preventive care to dental treatment to psychotherapy – nearly every area of health is included.
- No coverage limit: Unlike Basic, there's no annual maximum amount.
- Full cover in your home country: You're fully protected there too, not just in emergencies.
- Great for growing families: Pregnancy and childbirth are covered after the waiting period.
- Direct hospital billing & fast reimbursement: No upfront payment risk for inpatient care.
Calculate Your Tariff & Secure Premium Cover
Please note: During the Genki signup process, you will choose between Basic and Premium. Make sure to actively select "Premium".
Get Your Price & Choose Premium →Frequently Asked Questions (FAQ)
Is Genki Native Premium worth it compared to Basic?
It depends on your needs. If you expect to use preventive check-ups, dental treatment, or mental health support regularly, are planning a family, or want full cover in your home country plus no overall coverage limit, Premium generally offers stronger protection than Basic.
Are pregnancy and childbirth covered from day one?
A 12-month waiting period applies to pregnancy and childbirth benefits from the start of your policy. If you're planning to grow your family abroad, it's worth signing up well in advance.
What exactly is included in dental care?
Dental care includes routine checkups, professional cleaning, and treatments such as fillings, root canals, crowns, and bridges. A waiting period and increasing limits apply to some treatments during the first insurance years.
Am I covered in my home country beyond emergencies?
Yes — this is one of the key differences from Basic. Genki Native Premium provides full insurance cover during stays in your home country, not just for acute emergencies.
Is there a maximum coverage amount?
No. Unlike Genki Native Basic (up to €1M per year), Premium has no overall coverage limit per insurance year.