Genki eligibility rules
Join before 56 and there is no maximum age ever again. Built for people who have actually left. Every row below is taken from Genki's own policy wording, FAQ or terms, with the date we last checked it.
The rules in full
| Rule | Answer | What the wording says | Confidence |
|---|---|---|---|
| Who can buy it | Any residence | Sold to people from every country, explicitly including nomads without any legal residence. | verified |
| No fixed country of residence | Yes | One of the very few products openly sold to people with no legal residence at all. | verified |
| Buying after you have left home | Yes | Can be started while already travelling, with no general waiting period, unlike the Traveler product's 14-day emergencies-only window. | partly |
| Maximum age | 55 | Entry age is 55 or under. Once you are enrolled there is no maximum age at all: cover continues for life. | verified |
| One-way and open-ended trips | Yes | Not a trip product. There is no return date to declare. | verified |
| Longest trip | 122 months, renewable | Unlimited and lifelong once enrolled, renewing monthly. | verified |
| Pre-existing conditions | With conditions | Underwritten with a medical questionnaire rather than a blanket exclusion, so conditions may be accepted, loaded or excluded case by case. | partly |
| Cover in the USA | With conditions | US cover is limited and priced separately, as on the Traveler product. Confirm the current US terms before relying on them. | low |
| Schengen visa certificate | With conditions | High medical limits with a confirmation letter available on request; consulate acceptance varies. | partly |
| Winter sports | Yes | Ski and snowboard included as standard, as across the Genki range. | partly |
| Scuba diving | Yes | Diving included as standard. | partly |
| High-altitude trekking | Yes | Hiking and climbing included as standard. | partly |
| Scooters and motorbikes | With conditions | Motor vehicle operation is covered as standard; licence and helmet conditions are not published, so check the conditions PDF. | low |
| Working abroad | Not verified | Health cover applies regardless of activity; occupational exclusions not verified. | low |
| Trip cancellation | No | Health insurance, not trip insurance: no cancellation or baggage cover. | verified |
| Families | Yes | Individuals, couples and families. | verified |
Who underwrites it
Squarelife Insurance AG (Liechtenstein). The carrier matters more than the brand: it is the entity that actually pays your claim and the one whose regulator you would complain to.
Our commercial relationship
We may earn a commission if you buy through our link to Genki. That is disclosed on every link, and it never changes where they appear or in what order. Confirmed 2026-08: EUR 200 one-off on Native Basic, EUR 300 on Native Premium (professional partner rates, including 19% VAT where applicable), paid 31 days after the insurance start date. One-year attribution window. The highest per-conversion payout in our database..
Sources: genki.world, help.genki.world. Checked 2026-08-03. This is information about published eligibility rules, not advice, and not a guarantee of cover.