While the public services in Italy are reliable, as a foreigner you also have the option of acquiring private health insurance in Italy, which the majority of foreigners tend to do. It is important to understand which type of health insurance in Italy you are eligible for long before stepping on an airplane. Medical insurance in Italy is a requisite if you plan to stay for longer than 90 days. 

To whom is applied health insurance?

Health insurance is intended for foreign nationals resident in Italy for tourism, study or birth registration.

How to choose the best one??

There are several solutions. Find one that suits your needs! You can buy it from the comfort of your home.

How much does it cost?

The cost of health insurance can vary depending on the duration and in some cases depending on the age of the applicant.

You may want to consider private health insurance upon arriving in Italy. There are many companies dealing in private health insurance. Private patients generate higher earnings for medical professionals and therefore will invariably be consulted by senior doctors. A private patient can also request a doctor who speaks their native language.

The largest insurers in Italy include: The National Insurance Institute (Istituto Nazionale delle Assicurazioni/INA), formerly state owned but now privatised,Europa AssistanceFilo DirettoPronto Assistance and Sanicard.

Public Insurance Schemes

Health insurance in Italy is primarily organized on a regional level through the nationally established Servizio Sanitario Nazionale (SSN), which provides universal coverage, including the full funding of public doctors and prescription drugs. Formed in 1978, the SSN has increased the accessibility of medical insurance in Italy.

Health Insurance

Permanent residents and some other foreign nationals who are working are eligible for low cost health care through the Servizio Sanitario Nazionale or SSN. According to the Italian government, “Foreign citizens [non-EU] with regular stay permit and their regularly staying dependent family members are entitled to registration with the National Health Service and to the same treatment as Italian citizens with reference to contributory burden and the health care provided.

The national health system in Italy is administered through local health authorities, and provides free or subsidised treatment and care to all EU citizens.

If you opt for Italy’s public health insurance policy, then you, of course, will be subscribing to the aforementioned SSN. In order to apply, there is a fee of approximately 145 euros, which you must pay for at the post office, while completing a MODELLO F24 form. After soliciting for your stay permit, you must bring this form (which demonstrates that you have paid), valid passport, as well as the receipt showing you have applied for a stay permit. Once you have said documents, you must visit the A.S.L., the local health branch in your area, in order to complete the insurance application process. This medical insurance in Italy allows for full coverage, not only in emergency situations like private insurance.
The goal of health insurance in Italy is to be available for all its citizens, including foreigners. Whether you choose to remain with a private health care provider from home or embrace state insurance, coverage in times of need or an emergency is guaranteed.

INAIL – The National Institute for Insurance against Accidents at Work

INAIL is a public non-profit entity safeguarding workers against physical injuries and occupational diseases.
Inail’s objectives are:

• reducing injuries
• protecting workers performing hazardous jobs
• facilitating the return to work of people injured at workplace.

For more information on the INAIL system check the website of The National Institute for Insurance against Accidents at Work (INAIL)