Health Insurance in Italy: A Complete Guide for Expats & Workers
Italy has one of the world’s best healthcare systems, ranked 2nd globally by the WHO. Whether you’re moving for work, study, or retirement, understanding Italy’s health insurance system is crucial. Here’s what you need to know:
1. Italy’s Healthcare System: Public vs Private
A. Public Healthcare (Servizio Sanitario Nazionale - SSN)
✅ Free or low-cost for residents
✅ Covers: Doctor visits, hospital care, emergencies, prescriptions
✅ Funded by taxes (automatic for workers paying contributions)
Who Qualifies?
EU citizens with EHIC card
Legal residents with work visa/permit
Students staying >1 year
B. Private Health Insurance
Popular for:
✔ Faster specialist access
✔ English-speaking doctors
✔ Extra services (dental, vision)
Top Providers:
Allianz
AXA
Generali
Unipol
2. Health Insurance Requirements for Foreigners
For Workers:
Mandatory enrollment in SSN (automatic with work contract)
Monthly deduction from salary (~4-10% depending on income)
For Students:
EU students: EHIC card sufficient
Non-EU students: Must purchase Italian insurance (~€150-200/year)
For Digital Nomads/Retirees:
Must show proof of coverage (private insurance accepted)
Minimum coverage €30,000
3. How to Enroll in Italian Healthcare
1️⃣ Get Your Residency Permit (Permesso di Soggiorno)
2️⃣ Register at Local Health Authority (ASL)
3️⃣ Choose a Family Doctor (Medico di Base)
4️⃣ Receive Tessera Sanitaria (Health Insurance Card)
Processing Time: 1-3 months
4. Costs & What’s Covered
| Service | Public Cost | Private Cost |
|---|---|---|
| Doctor Visit | Free | €50-100 |
| Hospital Stay | Free | €200+/day |
| Prescriptions | 20-50% off | Full price |
| Ambulance | Free | €100-300 |
Dental/Vision: Mostly private (expect €50-150 per visit)
5. Emergency Numbers
🚑 112 – General Emergency
🏥 118 – Medical Emergency
6. Tips for Expats
✔ Always carry your Tessera Sanitaria
✔ Private insurance cuts wait times for specialists
✔ Pharmacies (Farmacia) give medical advice for minor issues
✔ Keep EHIC card if from EU
Final Thoughts
Italy offers excellent healthcare, but preparation is key. Public coverage is great for basics, while private insurance adds convenience.
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