Genki review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

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Our verdict

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.

Key facts

Best for
Expats and frequent travellers wanting monthly health and travel cover with direct hospital payment.
Premium from
€189 (Source, checked September 26, 2026)
Insurance types
Health, Travel (Source, checked September 26, 2026)
Provider type
Broker (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Excess from
€0 (Source, checked September 26, 2026)
Cover limit
EUR 1,000,000 per person per year (Basic); EUR 3,500,000 (Premium) (Source, checked September 26, 2026)
Claims channels
Online reimbursement claim via website, Direct payment to hospitals, 24/7 assistance hotline, Chat, WhatsApp (Source, checked September 26, 2026)
Age range
Native: join up to age 55, no age limit once covered; Traveler: join up to age 69 (Source, checked September 26, 2026)
Legal entity
Genki UG (haftungsbeschränkt), HRB 106969 Cologne (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
2018 (Source, checked September 26, 2026)
Support channels
Email, Chat, Help-centre, Community (Source, checked September 26, 2026)
Audience
Expats
Pricing model
Monthly
Official website
genki.world

Apps and profiles

Elsewhere
WikidataLinkedInXTrustpilot

Pros and cons

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.
Genki

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Scored 8.9 / 10 by AssureCue.

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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.

How your money is protected

Genki is a broker, broker, so cover is placed with an insurer rather than carried on Genki's own balance sheet. The brokerage is listed in the IHK Köln (Cologne Chamber of Commerce and Industry) DIHK Agent Register under D-TUKU-OFIBM-34. That entry is a professional registration, not a scheme that pays out to policyholders.

The company behind it

The legal entity is Genki UG (haftungsbeschränkt), HRB 106969 Cologne, based in Germany and trading since 2018. Support runs on email, chat and help centre, with a help centre and community for self service. The brokerage sits in the IHK Köln and DIHK Agent Register under D-TUKU-OFIBM-34, a listed registration rather than a policyholder protection scheme.

How Genki compares

Where Genki is available

Available
Germany
Licence in Germany
IHK Köln (Cologne Chamber of Commerce and Industry), DIHK Agent Register (D-TUKU-OFIBM-34), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

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.

How are Genki claims paid?+

Claims run through online reimbursement claim via website, direct payment to hospitals and 24/7 assistance hotline, so an online reimbursement claim is one option among several. Direct payment to hospitals means treatment abroad is settled without you chasing a refund on a bill you already paid, while the assistance line, chat and WhatsApp handle questions around the clock.

Who regulates Genki?+

Genki appears in the IHK Köln (Cologne Chamber of Commerce and Industry) DIHK Agent Register under D-TUKU-OFIBM-34. As a broker, broker, it arranges the policy with an insurer rather than underwriting it, and the register entry is a brokerage listing, not a guarantee for policyholders.

Where is Genki based and how old is it?+

The company is Genki UG (haftungsbeschränkt), HRB 106969 Cologne, registered in Germany and trading since 2018. That makes it a young broker with a short record next to long established insurers. Support runs on email, chat and help centre, and everything is sold and managed online.

What can I insure with Genki?+

Genki sells health and travel cover, aimed at expats. It is a narrow range, with no home, motor or life lines listed, so anyone wanting several kinds of cover in one place has to look wider. Both health and travel sit under the same monthly billing.

Who is Genki aimed at?+

The brand targets expats, with products built around people living away from their home country. Membership runs through the Native and Traveler products, and travellers can join at a higher age than Native members. Age limits apply when joining, and Native cover carries no age limit once you are covered.

Can I pay monthly and how do I get help?+

Monthly payments are available, and monthly is the payment model, so there is no annual plan to fund. Support runs on email, chat and help centre, while claims and assistance add a round the clock hotline, chat and WhatsApp through online reimbursement claim via website, direct payment to hospitals and 24/7 assistance hotline. The two lists are not the same, which matters if you plan to lean on one channel.

Sources

  • genki.world checked September 26, 2026

    Backs: Claims channels, Monthly payments, Support channels

    “If you're hospitalized, we pay the hospital directly. For regular visits like consultations, tests, or treatment you pay first and request reimbursement on our website.”

  • genki.world/about checked September 26, 2026

    Backs: Founded

    “Our journey began in 2018, when Marc, one of our Co-Founders, grabbed his laptop and hit the road to become a digital nomad.”

  • genki.world/agent-information checked September 26, 2026

    Backs: Provider type, Licences

    “Genki acts as an insurance agent for one or multiple clients in accordance of §34d par. 1 Industrial Code.”

  • genki.world/legal-notice checked September 26, 2026

    Backs: Headquarters, Legal entity

    “Siegburger Str. 231, 50679 Cologne, Germany”

  • genki.world/products checked September 26, 2026

    Backs: Age range, Insurance types

    “You can join up to age 55 at start (no age limit once covered) / You can join up to age 69”

  • genki.world/products/native checked September 26, 2026

    Backs: Audience, Cover limit, Excess from, Pricing model, Premium from

    “Long-term cover for nomads, expats, and families living abroad”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Genki

Genki

Expats and frequent travellers wanting monthly health and travel cover with direct hospital payment.

8.9/10See alternatives

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