Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Genki review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Genki is a broker for expats who want health and travel cover that hospitals are paid directly, on monthly payments from €189 with an excess of €0. It suits readers who put simple claims and direct settlement ahead of the cheapest starting premium.

Key facts

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

Facts checked September 26, 2026, 6 sources

Apps and profiles

Elsewhere
WikidataLinkedInXTrustpilot

Pros and cons

Pros

  • Monthly payments are available, so a year of cover does not need funding in one payment.
  • Claims run through online reimbursement claim via website, direct payment to hospitals and 24/7 assistance hotline, including direct payment to hospitals.
  • The Native plan carries an excess of €0.

Cons

  • Premium from €189 sits well above the €8.31 site median.
  • Home, car and life cover is not among its insurance types (health and travel).
  • As broker, Genki arranges the policy, and the insurer named on it settles the claim.
Genki

Ready to try Genki?

Scored 8.9 / 10 by SumCue.

See alternatives

Who it suits

  • Expats and long term residents who need health cover that works outside their home country.
  • People who prefer hospital billing and online claims to chasing reimbursements.
  • Travellers and remote workers who want health and travel plans, health and travel, in one place.

Who should look elsewhere

  • bunq, listed from €0, if you are shopping mainly on the lowest starting figure.
  • Linxea, listed from €25, if your money is going into a life assurance product rather than health cover.
  • bunq Spain, listed from €0, if you are weighing a Spanish option rather than a broker registered in Germany.

Safety of your money

Genki is a broker, broker, so it arranges cover on behalf of an insurer rather than carrying the risk itself. Its registration sits with the IHK Köln, the Cologne Chamber of Commerce and Industry, in the DIHK Agent Register, listed as D-TUKU-OFIBM-34. That entry tells you who stands behind the policy and where to take a complaint.

Who runs it

Genki UG (haftungsbeschränkt) is the legal entity behind the policies, Genki UG (haftungsbeschränkt), HRB 106969 Cologne, registered in Germany and founded in 2018. The IHK Köln, the Cologne Chamber of Commerce and Industry, lists it in the DIHK Agent Register under D-TUKU-OFIBM-34. Support runs on email, chat and help centre, which covers email, chat, a help centre and a community.

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

What does Genki cost each month?+

Native cover starts at €189 on monthly payments, and the plan carries an excess of €0. That starting point is well above the €8.31 median across the site, so treat the headline figure as a floor rather than a bargain.

How do claims work if I need hospital care?+

You can claim online, and online reimbursement claim via website, direct payment to hospitals and 24/7 assistance hotline adds direct payment to hospitals, a round the clock assistance line, chat and WhatsApp. Direct payment means the hospital settles with the insurer instead of you chasing money back after treatment.

Can I pay monthly instead of in one go?+

Monthly payments are available, and monthly is the only payment model listed, so the premium is spread across the month. That fits anyone whose income arrives in instalments rather than in one yearly payment.

What kinds of insurance does Genki sell?+

Genki sells health and travel cover, split into a Native plan for long term stays and a Traveler plan for trips. Cover limits rise between the Basic and Premium tiers, and either can run on monthly payments.

Is Genki a regulated company?+

Genki appears in the IHK Köln, the Cologne Chamber of Commerce and Industry, in its DIHK Agent Register under D-TUKU-OFIBM-34. As broker, it arranges policies rather than underwriting them, so the insurer named on your policy is the one that pays.

Who runs Genki and where is it based?+

Policies come from Genki UG (haftungsbeschränkt), HRB 106969 Cologne, based in Germany and founded in 2018. The DIHK Agent Register entry names the same body, which is the place a question about the broker would start before it reaches the insurer.

How do I get help outside office hours?+

Support runs on email, chat and help centre, so email, chat, the help centre and the community handle most questions. For medical need, online reimbursement claim via website, direct payment to hospitals and 24/7 assistance hotline adds a round the clock assistance line alongside direct hospital payment and WhatsApp.

Who is Genki aimed at?+

Genki is built for expats, and the Native plan accepts adults up to a joining age with no upper age limit once you are covered. People who move abroad for work or for a longer stay are the natural fit.

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 who want health and travel cover billed monthly, with hospitals paid directly.

8.9/10See alternatives