Visas · insurer fileGenki
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. Recurring commission for the lifetime of the referred membership (rate unpublished).
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.