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Italy Expat Forum

Heath insurance

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mjen235
8/30/2016 06:03 EST

My partner and I are retired UK pensioners thinking of applying for residenza in Italy. We need health insurance but are horrified at the prices quoted by online international companies. Has anyone any clear, concise advice re a suitable provider; Italian would do fine. Also, does this private cover need to continue after we have the tessera sanitaria? Many thanks. Jenny

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JacksterJam
8/30/2016 08:19 EST

Hi.

I don't know about buying private insurance, but you do not need to continue it once you are enrolled in the public health care system. The last time I checked into it, the cost to enroll is on a sliding scale according to your level of income but "tops out" at 2,700 euros per year (for a single person; I can't speak to the cost for a couple).

Be careful, however, as public health care enrollment is based on the calendar year and regardless of the month you enroll, you will be required to pay the entire year's premium amount, which will expire on 31 December. If you enroll in April, for example, you will be required to pay the entire year's cost but it won't cover you until April of the following year; it will expire on 31 December. You will then need to pay for the next calendar year in January. Also, they don't allow for monthly payments; the entire year's cost needs to be paid in full at the time of enrollment.

If anyone knows if there have been recent changes to how enrolling in the public health care system in Italy works, or the cost, please add an update. Thanks.

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mjen235
8/30/2016 11:53 EST

Thanks for the information JacksterJam. We continue to look for verification. Your advice re when to register for the tessera sanitaria was very useful.

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jaym
10/13/2016 18:23 EST

Expats who are EU nationals can take advantage of reciprocal health agreements which makes access to public healthcare in Italy easy.

Non-EU expats will, however, need to formally register for the SSN. Expats who have their residence status finalised and have an Italian identity card (carta d’identità) are then able to apply for an Italian health insurance card (tessera sanitaria).

In order to get a health card an expat would have to go to their nearest local health authority (Azienda Sanità Locale/ASL) which will require various documents. This usually includes the expat’s residence permit, official identification and proof of employment, among others.

Expats wanting to claim benefits for their families will require a family status certificate (certificato di stato di famiglia).

After registering, applicants have to choose a family doctor and a paediatrician, if applicable. They are then issued with their health card, which must be presented in order to receive care under the SSN. These cards must be renewed every year.

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