Genki eligibility rules
Health cover for any passport, even without a legal residence. 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 | “Any citizen, any residence”, including nomads without any legal residence (Native). | verified |
| No fixed country of residence | Yes | Explicitly sold to people with no legal residence. | verified |
| Buying after you have left home | Yes | Can start abroad; if you had no prior cover, first 14 days are medical-emergencies-only. | verified |
| Maximum age | 69 | Traveler up to 69. Native: join at ≤55, then no maximum age for life. | verified |
| One-way and open-ended trips | Yes | Monthly subscription, no return-to-home requirement. | verified |
| Longest trip | 12 months, renewable | 1–12 months, then switch to Native (unlimited). | verified |
| Pre-existing conditions | No | Traveler: 1-year lookback exclusion. Native: medical questionnaire underwriting. | verified |
| Cover in the USA | With conditions | First 7 days per US stay emergencies-only; paid upgrade for full US+Canada cover. | verified |
| Schengen visa certificate | With conditions | €1,000,000 medical; confirmation letter on request. | partly |
| Winter sports | Yes | Ski/snowboard included as standard. | verified |
| Scuba diving | Yes | Diving included as standard. | verified |
| High-altitude trekking | Yes | Hiking/climbing included as standard. | verified |
| Scooters and motorbikes | With conditions | “Motor vehicle operations” covered as standard; licence/helmet conditions not published, check the conditions PDF. | partly |
| Working abroad | Not verified | Health cover applies regardless of activity; occupational exclusions unverified. | low |
| Trip cancellation | No | Pure health product, no trip cancellation or baggage. | verified |
| Families | With conditions | Native: individuals, couples, families. Traveler: individual. | partly |
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 6.60 per month, recurring while the member stays. One-year attribution window, and an active attributed subscription re-attributes for another year. Figures include 19% VAT where applicable.
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.