Reliable health insurance for life in Bali

• Plans with worldwide cover from US$100,000 to US$1,000,000.
• You activate the policy yourself and pick the start date.
• A choice of deductible levels, from US$0 to US$500.
• Outpatient claims submitted online through the MyIMG member area.
• Bills paid directly to the hospital when you are admitted to a network facility – Siloam and BIMC in Bali, for example.

The policy covers unforeseen medical events, which makes it a dependable choice for long trips and for living abroad.

• Inpatient treatment: costs reimbursed in full within the policy limit when you are admitted for an injury or illness. IMG works directly with hospitals in Bali – the full list of network facilities is at ipa.imglobal.com.
• Outpatient treatment: doctor's visits and diagnostics for acute conditions such as flu, COVID-19 or dengue. Prescribed medication is covered for up to 90 days from the first consultation.
• Scooter and motorbike injuries: covered provided you hold a valid licence, helmets were worn and you were not under the influence.
• Dental: full cover for accidental damage to teeth; acute dental pain is reimbursed up to US$150 per visit.

Additional benefits

• Emergency reunion for a family member.
• Full cover in the event of terrorism.
• Evacuation and relocation on security grounds.
• Identity theft assistance.

More detail in the official policy document.

Cover is broad, but as with any insurance there are exclusions worth knowing about.

• Pre-existing conditions – any illness or injury that began before the start date of the policy.
• Routine checkups – health screens or laboratory tests without a doctor's referral.
• Routine dental work – cleaning, fillings and the like. Accidental damage to teeth is still covered in full, and acute dental pain is reimbursed up to US$150 per visit.
• Injuries sustained riding without a licence or under the influence. A missing helmet, on the rider or the passenger, can also be grounds for refusing a claim.
• Childbirth and related procedures, unless added to the policy in advance.
• Some extreme sports – skydiving and mountaineering, for example.

The policy is a good fit for sudden illness, injury and accidents, but the exclusions matter: pre-existing conditions, preventive visits and elective procedures are not included. To be reimbursed after a bike accident you must have followed the road rules.

Genki Traveler is intended as cover abroad and does not replace health care coverage in your home country. It runs for one year from the date you choose, is paid monthly, and can be cancelled at any point after the first month. The overall limit is €1,000,000.

Medically necessary care in the event of a sudden injury or illness:

• Doctor consultations to evaluate your symptoms, telemedicine included. A second opinion from another doctor, and house calls outside a medical emergency, need prior approval.
• Prescribed examinations – CT, ECG, EKG, MRI, PET and X-ray, for example.
• Prescribed procedures – from minor treatment to major surgery.
• Prescribed medication – antibiotics and painkillers, for example.
• Prescribed materials – bandages, casts and plasters.
• Aids – prescribed crutches and the rental of prescribed wheelchairs and walkers, in basic variants and excluding repairs.
• Transport – ambulance to the nearest suitable hospital in a medical emergency.
• Treatment in public and private hospitals, inpatient stays included. Inpatient stays are managed by the emergency assistance; the room is covered up to the cost of a shared room.
• Physiotherapy – up to 6 prescribed sessions per insurance case.
• Dental care following an accident – up to €1,000 per insurance case.

Support

• Direct payment to the hospital for inpatient stays: the emergency assistance settles the bill, so you pay nothing.
• Quality control of inpatient care, including a move to another hospital if needed.
• A family member's visit in a life-threatening emergency: an economy-class trip, simple accommodation near the hospital and the journey back – up to €5,000 per insurance case, with prior approval.

Repatriation

• Medically necessary transport home by any suitable vehicle, air ambulance included. You are never forced to return – you may decide to stay abroad. The policy ends the moment you arrive.
• Repatriation of mortal remains to your home country.

• Prior health conditions: anything you had symptoms of, sought advice for, were diagnosed with or treated for within a year before the start date; chronic and congenital conditions and malformations you knew about; and the consequences of an accident that happened within a month before the start date.
• Preventive care: checkups, preventive examinations and tests, preventive vaccinations, genetic testing.
• Rehabilitative care – though up to 6 prescribed physiotherapy sessions per insurance case are still covered.
• Dental care – fillings, inlays and onlays, crowns and bridges, extractions, checkups, cleaning, dentures, implants, orthodontics. The exception is damage following an accident, up to €1,000 per case.
• Eye and ear care: checkups, frames, lenses, contact lenses, eyesight correction surgery, hearing aids.
• Alternative care: osteopathy and chiropractic, massage and acupuncture, homeopathy, traditional Chinese medicine.
• Mental health care: psychotherapy and psychiatry.
• Maternity care – prenatal checkups, scans, screening, preparation courses and postnatal care. Treatment of a severe deterioration in the health of you or your baby is covered, but childbirth itself is not.
• Organ transplants.

Also excluded: search and rescue, addiction, elective surgery, taking part in crimes, wars or riots, harm caused intentionally, the voluntary consumption of illegal drugs, treatment not performed by a doctor, treatment at health resorts, sanitariums or spa-like establishments, treatment by yourself or your family members, and costs that other parties pay or reimburse for you. These are the key exclusions; additional ones apply.

• Overall limit – €1,000,000 across everything the policy covers.
• Deductible – you pay the first €50 per insurance case and the insurer pays the rest. It does not apply to inpatient costs.
• USA: you pay the first €100 of each emergency room or urgent care visit yourself, separately from the deductible. This does not apply if the visit results in an inpatient stay.
• Waiting period: insurance cases starting in the first 14 days are covered only if they are caused by, or result in, a medical emergency. The restriction falls away if on the day before the start date you were in your home country, or in a country where you had health care coverage.
• Currency: costs incurred in another currency are converted to euros at the European Central Bank rate on the invoice date.

An injury or illness during an activity is covered only when every condition attached to that activity is met.

• Motorbikes and scooters: normal riding is covered. The rider must wear a helmet; the passenger is covered without one. The rider needs a valid licence where one is legally required – on light motorcycles you are covered without it. Racing, race training and unsupervised off-road riding are not covered.
• Diving: down to 30 metres if you are certified for that kind of dive and depth (BSAC, CMAS, NAUI, PADI, SSI) or are accompanied by a certified dive professional.
• Surfing: covered, except big wave surfing, tow-in surfing and extreme weather conditions.
• Cycling and mountain biking: recreational riding, except extreme downhill and highly risky jumps. You are covered even without a helmet.
• Hiking, trekking and climbing: up to 4,000 metres, with the safety gear the route calls for. Glacier travel, routes needing crampons or ice axes, and free soloing are not covered.
• Parachuting, paragliding and skydiving: under the supervision of a licensed instructor, on certified equipment, following all safety regulations.
• Martial arts: training, sparring, friendly fights and self-defence.
• Skiing and snowboarding: on marked trails and designated areas; off-piste and heli-skiing are not covered.
• Sailing: recreational, in coastal and international waters; racing and race training are not covered.
• Not covered: BASE jumping, wingsuit flying, bull riding, running of the bulls, hunting, train surfing – and professional sports, meaning any sport you are regularly paid for.
• Every other sport and activity is covered.

• Cover applies in every country. You pick a region when you sign up: "worldwide", or "worldwide (limited in Canada & USA)", where only medical emergencies that started within 7 days of your arrival are covered.
• In your home country cover is limited: only a medical emergency that started within 6 weeks of your arrival, provided you had been outside the country for at least 4 weeks beforehand and arrived after the start date.
• Your home country is chosen when you sign up and cannot be changed. The region can be changed in the member area.

• The price depends on the start date, your age on that date and the region you choose; it does not change during the insurance period unless you change something yourself.
• The first payment is taken when you sign up; after that it is collected automatically each month on the same day of the month.
• The policy runs for a year. You can cancel it in the member area at any time after the one-month minimum period.
• You can revoke the contract at any time before the start date, or within 14 days of receiving your first Certificate of Insurance.

• Genki UG (Germany) – the policyholder and your insurance agent, responsible for customer care and collecting premiums.
• Nomads for Impact e. V. (Germany) – the association through whose membership this group insurance is available.
• Squarelife Insurance AG (Liechtenstein) – the insurer, managing contracts and claims.
• MCI Assist, S. L. (Spain) – 24/7 emergency assistance worldwide.

The governing documents are the Insurance Product Information Document (a brief summary), the Insurance Conditions (the complete pre-contractual and contractual information) and the Certificate of Insurance (confirmation of your cover). This page follows the documents dated 1 June 2025; current versions are published on genki.world.

The policy covers inpatient treatment, outpatient care, emergency evacuation and telemedicine. Global Prima Medical Insurance comes in five plans – Bronze, Bronze Plus, Silver, Gold and Platinum – with the overall limit rising from US$1,000,000 on Bronze to US$5,000,000 on Platinum.

Bronze Plus is the second tier and usually the sensible balance of price and cover. Compared with the base Bronze plan the overall limit doubles to US$2,000,000, the outpatient limit doubles too, pre-existing conditions may be included subject to underwriting, and telemedicine, optical, vaccinations, the Well-being benefit and psychiatric hospitalisation of up to 15 days a year all appear.

The higher plans add routine management of chronic conditions, rehabilitation, complementary treatment, outpatient psychiatry, and hotel accommodation and a return flight after an evacuation.

In-patient and day-patient treatment

• Hospital accommodation – covered.
• Accommodation for a parent staying with a child – included.
• Theatre fees – paid in full.
• Reconstructive surgery – covered.
• Organ transplants – US$100,000 limit for the lifetime of the policy.
• Complications of pregnancy – covered after a 10-month waiting period.
• Psychiatric illness – up to 15 days a year.
• Ancillary charges (crutches, wheelchairs) – up to US$200 following a hospital stay.
• Home nursing – up to 30 days a year, no more than US$100 per visit.
• Cash benefit – US$100 a night, up to 30 nights, when treatment is given in a state or charitable hospital and no inpatient claim is submitted.

Out-patient treatment

• Professional fees – covered.
• Medication – up to US$1,000 a year.
• Diagnostics – up to US$500 per procedure.
• Chronic conditions in an acute phase – included.
• Kidney dialysis for an acute episode – included.
• Oncology – within the overall limit of US$2,000,000.

Evacuation and repatriation

• Medical evacuation – included.
• Repatriation of mortal remains – up to US$5,000.
• Hotel accommodation after an evacuation and the return flight are not covered on this plan – they appear on Silver and above.

Overall limits

• Out-patient treatment – up to US$5,000.
• Everything the policy covers – up to US$2,000,000.

Physiotherapy

• In-patient and day-patient – included.
• Out-patient – up to 10 visits a year at US$50 each, within the out-patient limit.

Preventive care, optical and vaccinations

• Standard eye examination – refunded in full, once a year.
• Prescribed glasses and contact lenses – up to US$100 a year.
• Vaccinations – up to US$100 a year.
• Well-being benefit – up to US$100 a year after a 10-month waiting period: one hearing test a year and routine health checks. For children up to the age of 6, up to 15 visits for life.

Other

• Surgical treatment – covered within the overall limit of US$2,000,000.
• Medical transportation – covered within the out-patient limit.
• Accidental damage to teeth – within the overall limit of US$2,000,000; treatment must be sought within 5 days of the accident.
• Telemedicine: online and by phone, around the clock, for new non-emergency issues. Telemedicine does not support a diagnosis for psychiatric illness.
• Emergency treatment outside the area of cover – up to 30 nights a year and US$20,000, for trips of under 30 days; treatment must begin within 24 hours of the emergency.
• The Travel Intelligence app: alerts about risks, an emergency hotline and access to your travel documents.

More detail in the official brochure.

• Routine management of chronic conditions and palliative treatment – ongoing treatment for hypertension or diabetes, for instance. These appear on Gold and Platinum.
• Routine kidney dialysis – only an acute episode is covered.
• HIV/AIDS – except infection resulting from an occupational injury or a blood transfusion after the policy began.
• Rehabilitation as a separate programme, complementary treatment, chiropody and podiatry, hormone replacement therapy and IVF – none are covered on this plan.
• Out-patient psychiatry – not covered; psychiatric hospitalisation is covered for up to 15 days a year.
• Newborn cover for premature births and congenital conditions – not provided on this plan.
• Routine pregnancy and dental treatment – not part of the base plan, but available as paid add-ons.

More detail in the official brochure.

The excess is chosen when you take out the policy and lowers the premium. It applies per person per policy period: once you have paid that amount, you are covered right up to the plan's limits regardless of how many medical conditions are involved.

The excess applies only to in-patient, day-patient and out-patient treatment. It does not apply to vaccinations, optical, the Well-being benefit, the evacuation benefit or the optional add-ons for routine pregnancy and dental treatment. The same amounts are available in pounds and euros.

Routine pregnancy and childbirth – 10-month waiting period

After ten months of continuous cover, routine pregnancy and childbirth costs are paid: pre- and postnatal checkups (up to 12), scans (up to three, one per trimester) and the delivery itself. The limit is US$5,000, US$10,000 or US$20,000 per pregnancy, whichever you choose. The well baby examination and newborn accommodation sit within the same limit. A cash benefit of US$100 a night, up to 30 nights, applies where no claim is submitted. On family cover the add-on applies to every woman on the policy aged 18 to 54.

Dental treatment – 6-month waiting period

An overall limit of US$1,000 or US$2,000, whichever you choose. Within that limit co-insurance applies – you pay part of each bill:

• 10% – routine examination including x-rays, cleaning and polishing, fillings, extractions other than wisdom teeth.
• 30% – diagnostic tests, wisdom tooth extraction in a dental surgery, a new crown or inlay and repairs to them, root canal treatment, new bridges and dentures.
• 50% – orthodontic treatment where medically necessary for oral health, implants to restore function after an accident (notify within 5 days), and dental surgery in a hospital or by an oral and maxillofacial surgeon.

Emergency treatment for the relief of pain – an abscess, a cracked or broken tooth, a temporary filling – is covered up to US$250 within the dental limit, and must be received within 36 hours. Accidental damage to sound natural teeth is covered within the overall policy limit if treated within 5 days.

• Eligibility: available to all nationalities, with no age limit, subject to a satisfactory application and any underwriting restrictions. Children are covered up to the age of 25.
• Renewal: once you are enrolled and cover has been accepted, renewal is offered forever provided you maintain continuous coverage. Members leaving a Global Prima group scheme are guaranteed continuation of cover.
• Area of cover, your choice: Europe; worldwide excluding the United States of America and any USA territories; or worldwide.
• USA: eligible treatment must be received within the PPO network. Outside it, 50% co-insurance applies after the policy excess.
• Where to be treated: use IMG's extensive network of medical facilities or choose your own provider anywhere in the world. A 24/7 medical helpline handles claims information, emergency assistance and advice on treatment.

The policy is open-ended: it does not end at a certain age or after a certain period, and it does not stop just because you have claimed on it. You can take it out if you are 55 or younger on the start date; after that there is no age limit. The minimum period is one year, after which it can be cancelled monthly.

Genki Native Basic

An overall limit of €1,000,000 per insurance year. Treatment, hospitalisation, chronic conditions, cancer, transplants, up to 20 days of rehabilitation a year, transport and repatriation. The room is covered up to the cost of a shared room. In your countries of nationality you get 182 days of full cover.

Genki Native Premium

Unlimited cover. On top of Basic: preventive care and vaccinations, dental, optical, psychiatry and talk therapy, pregnancy and childbirth, a single hospital room and home nursing care, and up to 30 days of rehabilitation a year. In your countries of nationality cover is full, with no time limit.

Both variants offer a choice of deductible: €0, €500 or €1,000 per insurance year. It does not apply to hospitalisation costs.

• Free choice of doctors and hospitals. Treatment by any medical practitioner, telemedicine included. In a few cases an alternative hospital might be required.
• Direct payment for hospitalisation at any hospital – including a guarantee of payment upfront, if the hospital allows. A 24/7 hospital emergency hotline.
• Common ailments: colds, flu, minor infections, allergies and other illnesses.
• Chronic conditions: ongoing treatment of diabetes, asthma and the like.
• Injury care: fractures, burns, wounds and similar accident-related problems.
• Emergency care, intensive care included.
• Serious diseases: major infections and systemic diseases such as pneumonia or sepsis.
• Cancer treatment: chemotherapy, radiotherapy and other therapies.
• Organ transplants: transplant surgery, hospitalisation and post-transplant follow-up.
• Examinations (CT, ECG, EKG, MRI, PET, X-ray), procedures from minor interventions to major surgery, medication, materials and aids – crutches, walkers and wheelchairs in basic variants.
• Rehabilitation: cardiac rehabilitation, occupational therapy, physical therapy, pulmonary rehabilitation and speech therapy. Up to 20 days on Basic and 30 days on Premium per insurance year.
• Transportation: to the nearest suitable hospital by any ambulance; to dialysis, radiation therapy or chemotherapy; and to another country for major surgery or long-term recovery, with prior approval. Repatriation of mortal remains is included.
• A family member's hospital visit in a life-threatening emergency – up to €5,000 per insurance year.
• A second medical opinion from a different doctor, with prior approval.
• Psychiatric hospitalisation in an acute mental health crisis.

Official declarations of epidemics, pandemics or travel warnings do not affect your cover.

• Preventive care – up to €250 per insurance year: general checkups, eye and ear checkups, screenings including colonoscopy and Pap tests, laboratory tests such as blood glucose, cholesterol and STI tests, and vaccinations against hepatitis, malaria, rabies and tetanus.
• Dental care – up to €2,000 per insurance year: checkups, fillings, inlays and onlays, crowns, bridges, dentures, root canal treatment and extractions; professional cleaning up to €200 a year. Implants and orthodontics are not covered.
• Eye and ear care – frames, lenses and contact lenses up to €250 per insurance year. Eyesight correction surgery and hearing aids are not covered.
• Mental health care – psychiatry and talk therapy with prior approval, plus online therapy apps where talk therapy is prescribed and covered.
• Maternity care – prenatal checkups, ultrasounds, first-trimester screening, amniocentesis, preparation courses and postnatal exercises (up to €500 per pregnancy), midwives and obstetricians, childbirth in a hospital, a birthing centre or at home, postnatal care and vaccinations.
• Alternative care – up to €500 per insurance year: acupuncture, chiropractic, homeopathy, massages and osteopathy. Covered if prescribed or with prior approval.
• Hospitalisation: a single room, and home nursing care with prior approval.
• Family care: babysitting while you are in hospital, and an extra bed for one of your parents at €45 a day for up to 7 days.

• Scooter or motorbike riding without a helmet on the rider.
• Professional sports – any sport you are paid for.
• Medical care that is not medically necessary.
• Dental implants, tooth and jaw adjustments.
• Experimental and investigational treatments.
• Cosmetic and aesthetic treatment, gender reassignment, treatment for hair loss, and treatment for losing or gaining weight.
• Treatment related to sexual function or getting pregnant.
• Eyesight correction surgery, hearing aids, dental implants and orthodontics.
• Search and rescue, addiction, taking part in crimes, wars or riots, harm caused intentionally, and the voluntary consumption of illegal drugs.
• Treatment not performed by a doctor, treatment at health resorts, sanitariums or spa-like establishments, and treatment by yourself or your family members.
• Treatment prescribed or started before the policy begins or after it ends.
• Excessive, unreasonable and unusual costs for the region, and health products bought for personal use – thermometers, blood pressure and sugar monitors, home pregnancy tests, contraceptives and products to help stop smoking.
• Costs that other parties pay or reimburse for you. If a local law requires you to take out local health insurance and you have none, the costs that insurance would have paid are not covered.

Prior health conditions are covered only if you gave every piece of information requested completely, accurately and truthfully when you signed up, and cover for that condition was not stated as restricted or excluded. Any changes specific to your policy are shown on your Certificate of Insurance.

• Maternity care – 12 months from the start of the policy, on Premium. Treatment of life-threatening complications and a medically indicated termination have no waiting period.
• Mental health care – 6 months.
• Dental: bridges, crowns, dentures, inlays and onlays – 12 months. There is no waiting period if the treatment is needed because of an accident proven to the insurer by a doctor or a police report.
• Eye care: frames, lenses and contact lenses – 6 months.
• A newborn has no waiting periods, provided one parent held this insurance for at least three months up to the birth date and cover for the child was requested in writing within two months of the birth.

Genki Native covers activities far more broadly than the Genki Traveler travel policy – with no limits on depth, altitude or discipline:

• Climbing – any kind.
• Cycling and mountain biking – any kind.
• Diving – any kind and any depth.
• Hiking, trekking and mountaineering – any kind, all the way to the top.
• Martial arts – any kind, Muay Thai included.
• Motorbikes and scooters – the rider must wear a helmet; for the passenger it is optional.
• Parachuting, paragliding and BASE jumping – any kind, skydiving included.
• Sailing – any kind, coastal and offshore.
• Skiing and snowboarding – any kind.
• Surfing – any kind.
• Everything else is covered too. Only professional sports are excluded.

• Almost all countries – full cover, with no country-specific restrictions.
• Your countries of nationality (Canada and the USA aside): Basic gives 182 days of full cover, Premium gives full cover with no time limit.
• Canada and the USA – you pick a region when you sign up: "worldwide (excluding Canada & USA)", where only life-threatening emergencies within 28 days of arrival and transport to another country are covered, or "worldwide (including Canada & USA half-year)", with 182 days of full cover. The maximum in each of these countries is €250,000 on Basic and €500,000 on Premium per insurance year.
• The 182 days run from your arrival and apply only if you had been outside the country for at least 91 consecutive days beforehand.

• The price depends on the start date, your age on that date, the deductible, the region, the variant – Basic or Premium – and the insurer's review of your health when you sign up.
• The price rises with age; the new amount takes effect from your next yearly renewal date. The insurer also compares expected against actual costs every year and adjusts prices for all customers if needed, with at least a month's notice by email.
• Payment: the first payment when you sign up, then automatically each month on the same day of the month.
• Term: a minimum of one year, after which the policy can be cancelled monthly in the member area.
• You can also cancel if the price rises because of your age – within two months of that increase – or if you stop travelling, settle in one country and take out qualifying local health insurance.
• You can revoke the contract at any time before the start date, or within 14 days of receiving your first Certificate of Insurance.

• Normally you pay for treatment yourself and then send the insurer a request for reimbursement.
• For a hospital stay you pay nothing: the emergency assistance settles with the hospital directly.
• For costs of €2,000 or more you must send the insurer an itemised cost estimate at genki@squarelife.eu at least 5 days before treatment starts. Without it, only 50% of what would otherwise be covered is reimbursed. No estimate is needed for a hospital stay managed by the emergency assistance.
• If you chose a deductible, reimbursement begins once your covered costs for the insurance year exceed it. Hospitalisation costs are outside that rule.
• Costs incurred in another currency are converted to euros at the European Central Bank rate on the invoice date.

• Genki UG (Germany) – the policyholder and your insurance agent, responsible for customer care.
• Nomads for Impact e. V. (Germany) – the association through whose membership this group insurance is available.
• Squarelife Insurance AG (Liechtenstein) – the insurer, managing contracts and claims.
• MCI Assist, S. L. (Spain) – 24/7 hospital assistance and direct payments worldwide.

The governing documents are the Insurance Product Information Document (a brief summary), the Table of Benefits (an overview of benefits and limits), the Insurance Conditions (the complete pre-contractual and contractual information) and the Certificate of Insurance, which carries the terms specific to you. This page follows the documents dated 1 July 2025; current versions are published on genki.world.

Show the hospital staff your IMG ID card and/or Certificate of Insurance. They carry the key information about your plan and the contact details the hospital needs to reach IMG.

If the facility has a direct billing agreement, it will request payment itself. If it does not, either ask IMG for a guarantee of payment, or pay yourself and then submit a claim through the MyIMG member area.

No approval is needed before you visit a medical facility. You can go to any clinic, and the costs will either be paid directly or reimbursed through the MyIMG member area.

IMG recommends using direct billing providers – hospitals and doctors who request payment from IMG themselves. You can find one in the International Provider Access^SM database: ipa.imglobal.com.

If you use a provider without a direct billing agreement, you will need to submit the claim yourself through the member area.

Direct billing matters most for hospital stays. For outpatient care the clinic will usually ask you to pay, after which you can claim the money back from IMG. That keeps the approval process simple and saves time.

If you paid for treatment yourself, you can claim the cost back:

1. Log in to MyIMG, or register if you did not do so when you took out the policy.
2. Go to the "Claims" section.
3. Press "Submit new claim" and send your request.

For anything else, contact IMG support through the "Help" section in the MyIMG member area.

• Call the local emergency services.
• Once you are stable in hospital, contact MCI Assist, Genki's emergency assistance: +34 911 599 948, genki@mciassist.com.

It is better if the hospital contacts them itself.

Pass this on to the hospital staff:

Make sure the hospital has called that number or sent the email. Call or write yourself only if the hospital refuses to co-operate.

What to have ready if you contact them yourself

• The insured person's name and date of birth.
• The name and phone number of the treating doctor or hospital.
• The suspected diagnosis.
• The date of the accident or the onset of the illness.
• The name and phone number of a contact person on site, if there is one.
• Your insurance policy number.

You can choose any doctor or clinic. You pay for the treatment yourself and then send in the medical documents to be reimbursed for what your policy covers. Those documents must show your name, the diagnosis and the cost of each service and medication.

For examinations or treatment costing €1,000 or more you must get the insurer's approval 5 days before the service is provided – otherwise only 50% of the cost may be covered. Hospital treatment is the exception.

On Genki Native the threshold for mandatory approval is €2,000; everything else works the same way.

If you paid for treatment yourself, you can claim the cost back:

1. Go to genki.world/with/healthbali.
2. Log in to "My account" with the email address you used when taking out the policy.
3. Open the "Compensation" section.
4. Send your request by pressing "Request compensation".

You will get an email confirming that the request has been received, and another once it has been processed.

For urgent approval of treatment costing €1,000 or more, or for a hospital admission, contact MCI Assist: +34 911 599 948, genki@mciassist.com.

For anything else, contact Genki support through the "Help" section in the member area.