Updated September 28, 2026 · AssureCue Editorial Team
APRIL International vs Genki
APRIL International vs Genki: the differences
| Compare |  APRIL International |  Genki |
|---|---|---|
| Premium from | €12Lower | €189 |
| Provider type | Insurer | Broker |
| Excess from | €50 | €0Lower |
| Cover limit | Up to EUR/USD 300,000 medical expenses (Premium travel plan); EUR/USD 150,000 (Essential and Prestige) | EUR 1,000,000 per person per year (Basic); EUR 3,500,000 (Premium) |
| Claims channels | Easy Claim mobile app, Telephone, E mail, WhatsApp, Direct billing to healthcare provider | Online reimbursement claim via website, Direct payment to hospitals, 24/7 assistance hotline, Chat, WhatsApp |
| Age range | Not confirmed | Native: join up to age 55, no age limit once covered; Traveler: join up to age 69 |
Same on both: Insurance types (Health, Travel), Monthly payments (Yes).
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Key differences
- APRIL International scores higher overall: 9.3 vs 8.9.
- APRIL International is available in 9 more countries.
- Premium from is lower at APRIL International: €12 vs €189.
- Excess from is lower at Genki: €0 vs €50.
- Claims channels: only APRIL International offers Easy Claim mobile app, Telephone, E mail.
- Claims channels: only Genki offers Online reimbursement claim via website, Direct payment to hospitals, 24/7 assistance hotline.
- Support channels: only APRIL International offers Phone.
- Support channels: only Genki offers Community.
Our verdict on each
APRIL International
APRIL International is an insurer built for expats who want health and travel cover handled through one account, with monthly payments and direct billing to healthcare providers. Premiums start at €12 on its travel plans, and support runs on email, chat and phone.
Genki
Genki is a German broker for expats, covering health and travel on monthly terms with premiums from €189. It suits people who want hospital costs settled directly and their own treatment reimbursed afterwards, and anyone settling abroad who expects to file claims from a regular monthly budget.
Score breakdown
| Area | APRIL International | Genki |
|---|---|---|
| Cost | 8.9Premium from €12 against a site median of €8.37, plus an excess starting at €50 on travel plans. | 9.0HigherMonthly billing with an excess of €0 helps, yet premiums sit well above the site median of €8.37. |
| Offer | 9.4 | 9.4 |
| Trust | 9.6Higher | 8.5 |
Where each is licensed and available
| Country | APRIL International | Genki |
|---|---|---|
| France | Not confirmed | |
| Germany | Not confirmed |
Additional countries for APRIL International: 10. Additional countries for Genki: 1.
Pick APRIL International if, pick Genki if
Pick APRIL International if premium from matter most.
Pick Genki if excess from matter most.
How they place
| Ranking | APRIL International | Genki |
|---|---|---|
| Health insurance | 61 of 216 | 152 of 216 |
| Travel insurance | 98 of 295 | 213 of 295 |
What we checked
APRIL International
- april-international.com: 11 facts, checked September 26, 2026
Genki
- genki.world: 14 facts, checked September 26, 2026
Every fact side by side
| Fact | APRIL International | Genki |
|---|---|---|
| Audience | Expats | Expats |
| Pricing model | Monthly | Monthly |
| Legal entity | APRIL International Care France | Genki UG (haftungsbeschränkt), HRB 106969 Cologne |
| Headquarters | Not confirmed | Germany |
| Founded | Not confirmed | 2018 |
| Support channels | Email, Chat, Phone, Help centre | Email, Chat, Help centre, Community |
Where each stands against the rest
| Fact | APRIL International | Genki | Median |
|---|---|---|---|
| Premium from | €12above the median | €189highest quarter | €6.02 |
| Excess from | €50at the median | €0below the median | €50 |
Median across 116 listed insurance providers.
Pros and cons
APRIL International
Pros
- Health and travel sit in the same account, matching the expat audience on expats.
- Monthly payments are available, so cover can be paid as monthly rather than in one go.
- Claims run through Easy Claim mobile app, telephone and e mail, including direct billing to a healthcare provider.
Cons
- The excess starts at €50, so small medical claims still come with a cost to the policyholder.
- Cover limit differs by plan: medical expenses run to a higher ceiling on the Premium travel plan and a lower one on Essential and Prestige.
- Insurance types are limited to health and travel, so there is no motor, home or life cover to add to the account.
Genki
Pros
- Hospitals are paid directly, and a round the clock assistance line, chat and WhatsApp sit alongside the online reimbursement claim (online reimbursement claim via website, direct payment to hospitals and 24/7 assistance hotline).
- Billing is monthly, which suits people who prefer a predictable monthly outgoings figure (monthly).
- Support runs on email, chat and help centre, so help is available without a phone call.
Cons
- The starting price of €189 a month is well above the site median of €8.37.
- monthly is the only payment model, so there is no annual plan to fund upfront.
- Genki is a broker, broker, so the policy is arranged through an intermediary rather than written by Genki itself.
Who each suits
APRIL International
Who it suits
- Expats who want one insurer for health and travel rather than separate policies.
- Travellers who value direct billing to a healthcare provider over paying and reclaiming.
- Anyone who prefers paying for cover monthly rather than in a single payment.
Who should look elsewhere
- People wanting home, motor or life cover, since health and travel is the full list.
- Anyone unwilling to pay an excess, because the minimum on travel plans is €50.
- Buyers wanting the cheapest entry price, since premiums start above the site median of €8.37.
Genki
Who it suits
- Expats and people relocating abroad who want cover that works outside a home country system (expats).
- Travellers who expect to claim often, since hospitals are paid directly and a round the clock assistance line is listed (online reimbursement claim via website, direct payment to hospitals and 24/7 assistance hotline).
- Anyone content to pay above the site median of €8.37 for monthly billing.
Who should look elsewhere
- Anyone wanting a wider line of policies in one place: Good Sam Insurance Agency lists auto, home and renters, well beyond health and travel.
- People chasing the lowest starting price: bonus.ch lists CHF 0.
- Borrowers after credit rather than cover: Oney Préstamos ES quotes from €1,000 on loans.
Country by country
| Country | APRIL International | Genki |
|---|---|---|
| China | Yes | No |
| France | Yes | No |
| Germany | No | Yes |
| Hong Kong | Yes | No |
| Indonesia | Yes | No |
| Philippines | Yes | No |
| Singapore | Yes | No |
| Thailand | Yes | No |
8 of 11 countries where either is available.
Questions about each
APRIL International
What does APRIL International cost to start?+
Premium from €12 on the travel plans listed. That sits above the site median of €8.37 for premium from, and the excess starts at €50, so the first bill is not the whole cost of a claim.
Can I pay for cover monthly?+
Yes. Monthly payments are available, and the model on monthly means cover can be paid in monthly instalments rather than one annual sum. This matters for anyone moving country and settling costs over time.
Genki
How much does Genki cost a month?+
The entry Genki plan starts at €189, and every policy is billed monthly, so the figure is monthly rather than an annual bill. That is above the site median of €8.37, and Genki ranks 236 of 252 brands on this measure.
Is there an excess to pay before Genki pays out?+
The excess starts at €0, the lowest point on the range, so a claim can go through without you putting money in first. Hospitals can also be paid directly, which removes the need to advance treatment costs and claim them back. Check the plan terms for the excess that applies to your cover.