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Italy - Insurance

Health insurance

Those who are covered by the national healthcare system in Italy are eligible to receive free or subsidized treatment from local health authorities. The National Health Service (Servizio Sanitario Nazionale - SSN) is in charge of national health insurance in Italy, which is funded by direct and indirect taxation. Registration can be done at the Local Health Service after which a social security number and health card (Tessera Sanitaria) is issued. Cardholders can avail of free hospital services and 75 percent reduction on outpatient services and certain dental treatments. Apart from Italian citizens, EU and non-EU citizens are also eligible for national health care if they are registered with the SSN.

EU citizens living in Italy for more than 90 days can register for health services if they are employed, self-employed, family members of an employee or self-employed person in Italy, family members of an Italian citizen, have acquired permanent residency after 5 years residence in Italy, are registered as unemployed or are enrolled in a vocational training program.

Non-EU citizens are required to register with the SSN if they have a residence permit and are employees, self-employed persons or enrolled in unemployment listings. Spouses and children of foreign nationals with valid residence permits are also required to register. To register with the SSN, foreign nationals need an identity card, tax identification number (codice fiscale), residence permit and self-certification regarding their place of residence.

Retiree EU citizens who have taken up legal residency in Italy are eligible for free national health services if they have a Form E121 obtained from the national health service authority of their home country.

Apart from the basic national healthcare coverage, one can also avail of private health insurance, which enables individuals to select doctors and specialists of their choice at private hospitals.

Car insurance

Italian law makes it mandatory to have at least third-party liability insurance. Vehicle owners are obligated to have insurance cover against personal injury and material damage caused by their car. European countries and a few other countries are parties to the Green Card System, in which the Green Card and insurance certificate that an individual receives from an insurer serves as evidence of third party insurance. It is possible to extend your insurance policy to also cover theft, fire and special assistance.

Italian residents can avail of insurance from any company that is licensed to sell insurance in Italy, even if they are based outside Italy in EU or non-EU countries, provided their car is registered with Italian plates.

In Italy, the insurance system works on the principle of sistema bonus/malus or no-claims wherein one must provide evidence of no prior claims in order to benefit.

Home insurance

A home insurance cover in Italy insures the contents of an individual’s home in case of theft, fire or water damage. Home insurance may vary in cost from case to case depending on how much it would cost to replace the home and the contents of the home that have been added in the insurance cover.

Building insurance is a requirement of a mortgage contract and covers the rebuilding cost of a property in the event of damage due to flood, fire etc. Content insurance may be included as part of a package along with building insurance.

Life insurance

Life insurance is based on individual requirements and circumstances. There are different types of life insurance cover such as term or temporary insurance and investment or permanent insurance. With term insurance, family members or dependents can receive compensation in the event of death. Investment insurance combines investment and protection and is valid as long as an individual makes premium payments.

Public liability insurance

Public liability insurance is compulsory in Italy and insures against claims by third parties pertaining to injury, damage to property, loss of property, negligence and financial loss. It can be bought as a stand-alone policy or as part of a business insurance policy.

Personnel insurance

Personnel insurance covers a business owner and his or her employees. Employers are required to provide insurance cover for their employees against illness or accidents.

Self-employed persons cannot be covered under employee compensation and hence need to buy insurance cover for themselves through a private insurer.

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Expat Health Insurance Partners

Bupa Global

At Bupa we have been helping individuals and families live longer, healthier, happier lives for over 60 years. We are trusted by expats in 190 different countries and have links with healthcare organisations throughout the world. So whether you're moving abroad for a change of career or a change of scene, with our international private health insurance you will always be in safe hands.


Cigna has worked in international health insurance for more than 30 years. Today, Cigna has over 71 million customer relationships around the world. Looking after them is an international workforce of 31,000 people, plus a network of over 1 million hospitals, physicians, clinics and health and wellness specialists worldwide, meaning you have easy access to treatment.