Genki
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Genki World Explorer
Genki World Explorer is a health insurance plan designed for travelers such as digital nomads and backpackers. It provides coverage for periods ranging from one month to two years, and is offered on a monthly subscription basis that can be cancelled at any time.
The price of the plan depends on factors such as age, region of coverage, and deductible. The plan covers medical treatment at any authorized healthcare provider around the world, including inpatient and outpatient visits. It also includes limited dental and mental health treatment. In the event of a COVID-19 diagnosis, there is no cost limit for treatment and the plan will be noted on your certificate for immigration purposes. Quarantine costs are not covered as they are not considered medically necessary.
The plan covers sports injuries and offers 24/7 emergency assistance and direct billing for hospital stays. It also covers the travel costs for a family member or close friend to visit in the event of a hospital stay lasting longer than five days, and covers medical transport costs to the nearest appropriate hospital.
Pregnancy check-ups, ultrasounds, treatment for complications, labor and delivery, and postnatal care are also covered up to a certain amount. The plan offers emergency dental treatment and initial outpatient treatment for mental illnesses, as well as emergency inpatient treatment for first-time mental or emotional disorders. Medication and materials deemed medically necessary are also covered.
The plan is available for worldwide coverage or worldwide coverage excluding Canada and the US, with the latter option limiting coverage in those countries to six weeks out of every 180 days. To maintain the plan, policyholders must file claims as quickly as possible, release their doctor from the physician-patient privilege if needed, and provide proof of prior healthcare coverage if seeking reimbursement for costs incurred during the waiting period.
The plan becomes effective at midnight in Germany's time zone on the date of purchase and is active for two years. It can be cancelled at any time on the website, with the option for a refund within the first 14 days of purchase.
The risk is carried by Allianz Partners and administration and claims is handled by Dr-Walter.
Allianz Partners
Allianz Partners is the underwriter and insurer of the Genki World Explorer insurance plan. It is a well-known and trusted company in the insurance industry, known for its transparent and intuitive solutions that provide peace of mind to its clients. Allianz Partners combines the convenience of digital services with a personal touch, making it a leader in its field. The company has a large international network and is able to provide local expertise in 75 countries. Its team of experts is available to help and has handled over 65 million cases, performed 8500 medical evacuations, and has a network of over 1.1 million medical providers, including clinics, hospitals, and doctors.
Dr-Walter
DR-WALTER is a leading provider of insurance for private and business travel, as well as stays abroad. It handles claims and administration for its policies and has been a trusted partner for au pairs, expats, travelers, and development workers for over 60 years. The company offers a range of insurance options for business, educational, and holiday travel, including coverage for expats and travelers visiting higher risk areas. It has established itself as a leading provider of insurance for foreign visitors, particularly au pairs and language students, and is known for its unconventional travel insurance solutions.
The company was founded by Dr. Siegfried Walter, who received his doctoral degree in German studies in 1952 and later developed the first insurance coverage for foreign visitors in Germany while working with the German Academic Exchange Service (DAAD) and Volkswohl Versicherung (later Continentale). In 1996, Dr. Walter appointed Reinhard Bellinghausen as managing director and brought his daughters into the company. He eventually retired from day-to-day business, but continued to support the company with his extensive experience until his death in 2009 at the age of 87.