Genki vs PassportCard.
Two carriers built for life abroad with very different claim experiences and eligibility rules. Here's how they compare on claim model, pricing status, residency, renewals and the main trade-offs — using the same fields we use on compare.html.
Different products for different jobs.
Genki is generally suited for long-term monthly health cover, with a long-stay policy structure and reimbursement-based claims.
PassportCard is generally suited for card-based payment of eligible medical costs — a prepaid card pays providers directly — with availability varying by residence and market.
The right option depends on where you live, how you want claims handled and how long you'll be abroad. If you're not sure, take the 60-second quiz to see which fits your situation.
Reference prices are based on a standard profile · last checked June 2026 · the carrier confirms your exact price.
Side by side
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| Feature | Genki | PassportCard |
|---|---|---|
| Product type | Long-term health | International health |
| Claim model | Reimbursement | Card pays eligible medical costs |
| Pricing | €189 / month · standard profile | €395.99 / month · standard profile |
| Sold to | Broad availability · verify at carrier | Availability varies by residence and market — verify with PassportCard |
| Renewal cycle | Monthly billing · 12-month minimum | Annual auto-renew |
| Cancellation | No anytime cancellation during minimum term | 1-month notice |
| Sign up while abroad | Yes | Yes |
| US cover | Optional add-on | Included |
| Adventure activities | Included | Not standard |
| Outpatient cover | Outpatient included · no dental | Plan-dependent |
| Backing | Squarelife (Liechtenstein) | DavidShield; insurer varies by market |
Coverage details vary by plan, country of residence and add-ons. Always verify in the carrier's policy document before buying.
When each is a better fit
Genki tends to fit if you…
- Are living and working abroad month after month with no clear return date.
- Want a long-stay health product with monthly billing and can accept a 12-month minimum term.
- Cannot buy PassportCard where you live — availability varies by residence and market, so verify with PassportCard.
- Are comfortable with the reimbursement claim model (pay first, claim back).
PassportCard tends to fit if you…
- Can buy it where you live — availability varies by residence and market, so verify with PassportCard.
- Want claims paid on the spot through a prepaid card rather than reimbursed after.
- Want US cover included by default rather than as an add-on.
- Are comfortable with an annual auto-renew and a 1-month cancellation notice.
Main trade-offs
Different claim experiences. Genki uses reimbursement — you pay the provider first, then file a claim and get repaid. PassportCard issues a prepaid card that pays the provider directly when you're treated. Either model works; the difference matters most when you're sitting in a clinic abroad and would prefer not to be out of pocket.
Different eligibility footprints. Genki is broadly available internationally. PassportCard availability varies by residence and market — verify with PassportCard. Where it is not available, PassportCard will not be in scope for you — verify before assuming.
Prices shown are standard-profile references. Neither publishes a single headline rate that applies to all customers, so the figures above (last checked June 2026) are reference points — your final price depends on age, country of residence, plan options and add-ons, and is confirmed by the carrier.
Contract structures differ. Genki bills monthly but has a 12-month minimum term and no anytime cancellation during that minimum. PassportCard runs on an annual auto-renew with a 1-month cancellation notice. Billing frequency alone does not determine flexibility — check both policies.
Backing differs. Genki's insurer is Squarelife in Liechtenstein. PassportCard is operated by DavidShield, with the insurer varying by market. Verify the applicable insurer in your own policy document — neither fact implies endorsement of Roamsurance.
Neither is a "best." They are different products for different jobs. The right one depends on residency, claim preference and your trip pattern. See the full side-by-side comparison or run the quiz.
FAQ
Is Genki cheaper than PassportCard?
On our standard-profile reference Genki (€189/mo) comes in below PassportCard (€395.99/mo), but they're different products — Genki is a long-stay health plan, PassportCard is built around its card-payment experience for eligible costs. Your final price depends on your country of residence and age, and is confirmed by the carrier.
Can PassportCard cover me if I live outside the EU?
PassportCard availability varies by residence and market — verify with PassportCard. If it is not available where you live, Genki is more likely to be in scope.
Does Genki include trip cancellation?
No — Genki is a health product. Trip cancellation, baggage and flight delay aren't included. PassportCard Expat Comprehensive does not include trip cancellation or baggage cover. Always confirm with the carrier.
Which fits a long stay in Spain or Portugal?
Both can fit residents of those countries. The split is whether you want long-term monthly health structure (Genki) or card-based payment of eligible medical costs (PassportCard). Run the quiz to match against your full profile.
See which fits your situation.
Five questions. We'll show which carriers match — and the trade-offs.
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