Peace of Mind as a Digital Nomad Mama: How I Stay Protected Abroad
Living in Bali with my child, I’m not country-hopping every few weeks like many “true” nomads. We’re based here. Weekend trips, playdates, remote work blocks, Bali life. It’s wonderful—and it’s real life, which means I need boring-but-essential systems that actually work when something goes wrong.
Healthcare is the big one.
I wanted cover that fits life abroad without turning my brain into a policy spreadsheet. After trying options and learning what matters for a parent living overseas, I landed on Genki—a provider built for expats, long-term residents, and digital nomads.
Here’s what’s made the difference for me:
Simple to manage: I can cancel monthly if my situation changes.
Claims are easy: speaking from experience, filing a claim was straightforward and quick—no endless back-and-forth.
Direct billing when it matters: for emergency hospitalizations or bigger costs, Genki can arrange direct billing, so I’m not fronting large amounts while stressed.
Global mindset: plans are designed for people living outside their home country. Coverage is worldwide, with the note that the U.S. and Canada are excluded unless specifically added—which is perfect for my Asia–Europe lifestyle.
Below is how Genki structures its cover depending on how you live—settled in one place vs on the move—and the exact differences between their two products.
Two ways nomads live. Two products that match.
Some of us settle in one country for years (hi, Bali moms). Others move from country to country every few weeks or months. Genki keeps it simple with two options:
I’ll break them down using only what’s on Genki’s own summary.
🌍 Genki Native — long-term, complete worldwide health cover
Complete worldwide health cover
Stay covered for life (1-year minimum)
Treatment at any doctor or hospital
Hospitalization, accidents & emergencies
Medical transport & repatriation
Preventive check-ups, tests & vaccines
Dental care & cleanings
Vision exams, glasses & contacts
Pregnancy, childbirth & postpartum care
Full cover in your country of citizenship
Why it fits people like me: I’m based in one place (Bali) and want a comprehensive, stable plan that behaves like a proper long-term health cover. The checklist above—especially preventive care, dental, vision, and maternity/postpartum—feels like real life, not just “trip emergency” insurance.
✈️ Genki Traveler — flexible add-on health cover for travel
Add-on health cover for travel
Flexible cover for up to 12 months (you need other long-term health cover)
Treatment for new illnesses & injuries while traveling
Hospitalization, accidents & emergencies
Medical transport & repatriation
Who it’s for: the “always-moving” nomads. If you’re changing countries every few weeks/months, this gives you the essentials while on the road for up to 12 months. It’s focused on new issues that arise while traveling, plus emergencies and medical transport.
Explore it here: Genki Traveler
Which one should you choose?
You live abroad long-term in one country (expat life, family base, remote worker with a fixed home): start with Genki Native. It’s comprehensive and built for real day-to-day healthcare, not just emergencies.
You’re on the move (slow-mad, backpacking, testing destinations, no fixed base): look at Genki Traveler for flexible cover up to 12 months while you’re out there. Remember: per the summary, it’s an add-on—you’ll still need your own long-term health cover for the big picture.
Still unsure? You can start from my general page and read more: genki.world/with/leandraeva
My experience (and why I stuck with it)
I value tools that disappear into the background until I need them. A few notes from actually using Genki:
Filing a claim felt modern and sane. I uploaded what was needed, it was processed, and that was that.
Monthly flexibility means I’m not trapped if our situation changes (school, visas, family plans).
The reassurance of direct billing for emergencies is huge. If something serious happens, the last thing I want is to stress about paying a big hospital bill upfront.
Worldwide cover (with the U.S. and Canada excluded unless added) suits our reality. I mainly move between Indonesia and Europe; I don’t need North America on my policy, and I like that this is configurable.
If you’re a parent abroad, you already know: removing friction is priceless.
Practical tips if you’re deciding right now
Map your next 12–18 months. If you’ll stay put, Native makes more sense. If you’ll be country-hopping, Traveler is the flexible add-on designed for that.
Think about routine care. If you want regular check-ups, dental cleanings, or vision care covered, you’ll see those listed under Genki Native.
Consider family planning. Only Native mentions pregnancy, childbirth & postpartum in the summary list.
Emergency mindset. Both Native and Traveler list hospitalization, accidents/emergencies, and medical transport & repatriation—non-negotiables when you’re far from home.
Budget + admin comfort. Monthly cancelation and an easy claims flow make it simpler to commit without anxiety.
When you ’re ready to compare or sign up:
Final thoughts
I’m a digital nomad mama, not a policy nerd. I want my child to have a grounded, beautiful life here in Bali—and I want systems that quietly support that. Genki Native gives me comprehensive, steady cover for long-term life abroad; Genki Traveler is a smart add-on for friends who are always on the move.
If you’re choosing right now, start here:
Peace of mind isn’t glamorous, but it’s what lets the rest of your life feel light.