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Insurance to Italy

Итаиля

Medical insurance covers the medical expenses associated with unexpected health issues experienced by non-European Union citizens that are not insured. It provides benefits and services which protects the insured from fiscal burden, in cases of accidents.
Public health services are not freely administered to non-EU citizens in Italy. Hence, purchasing a medical insurance is a mandatory step for acquiring an Italian Schengen Visa.

General information about insurance to italy

Do I need an Insurance while travelling to Italy?

Yes, you are required to possess a valid medical insurance while embarking on a trip to Italy (for either holidays or tourism). Italy is a member of the twenty six Schengen member countries, and it’s also a member of the EU, whose regulations mandates the provision of proof, suggesting the possession of a valid medical insurance, for a visa application.

The minimum amount of coverage required for traveling to Italy is EUR 30,000 for your medical expenses and cases of repatriation.

Apart from paying a minimum premium for a basic medical insurance, you could include additional options to shield you from financial risk and inconveniences associated with non-medical expenses like personal accidents, baggage and travel delay.

However, exceptions are applicable to non-EU citizen who possess a diplomatic passport and applicants belonging to a particular professional group, like seafarers, Athletes or footballers who are already insured as a result of their routine activities.

Furthermore, it is recommended to obtain a European health Insurance Card (EHIC) by contacting the health insurance institution responsible for covering your health care cost. The EHIC is eligible for individuals who are insured by a state security system in any EU country, Iceland, Liechtenstein, Norway or Switzerland. It is also eligible for travelers, tourists, workers or students from non-EU countries, who are legally residing in the EU and are covered by a state social security scheme. The EHIC will provide access to affordable health care services. You might be charged a little fee for urgent treatment, this little fee is also called “Ticket”.

The EHIC provides access to doctors belonging to the statutory health care establishment. These public healthcare establishments are known as Servizio Sanitario Nazionale (SSN) in Italy. Hence, you can only use the EHIC in hospitals belonging to the SSN. The services of these ambulances are free, provided they belong to the SSN. EHIC is only accepted in the public hospitals, and as such private practitioners like dentists do not accept the EHIC.

The EHIC is not an alternative to the medical insurance, therefore, you ought to adhere to the EU regulations and requirements of the EU Consular.

Medical insurance covers your expenses in cases of acute illnesses and injuries, provided you are already insured and currently in Italy. Your medical insurance provides you the following:

  • 100% compensation for medical expenses involving treatments administered by authorized physicians and specialist, hospitalization, prescribed medicines and local transport to and from the authorized hospital;
  • Provides compensation for treatments administered by Physiotherapists and Chiropractors, provided these specialist are recommended by an authorized Physician;
  • Covers dental treatment by authorized Dentist in events of injury, tooth decay or broken tooth.

If you include this particular option in your insurance, the insurance will provide cover, when you cancel your trip or change itinerary due to circumstances obviously beyond your control. The insurance will provide cover in the following cases:

  • Death, serious illness or hospitalization;
  • If you die, or loss your close relative, your insurance company will cover subsequent transportation expenses;
  • When you are declared medically unfit to embark on a trip;
  • The EU advises against all trips to your destination (Italy), or if the current situation is highly unfavorable in Italy. When your country of residence prohibits all departures due to state of emergency or quarantine.

Your insurance will reimburse transport expenses without exceeding the maximum amount stated in your insurance policy, provided your trip cost is not refundable.

If you include the non-medical option in your insurance, the insurance shall cover the following cases:

  • Delay of more than five hours of an initially booked transportation;
  • Cancellation of a previously booked transportation.

The insurance will provide compensation for reasonable documented expenses on accommodation, feeding and transport without exceeding maximum amount of stated in your insurance policy document, provided you purchased the insurance policy shortly before experiencing the delay.

If you have selected the non-medical option, the insurance company will compensate accidents that directly result in the cases below:

  • Death or permanent disability, without any pre-existing illness;
  • Severe injuries such as loss of limbs, loss of extremity or sight.

The insurance company’s liability shall not exceed the benefit level stated in your medical insurance policy, especially in the cases mentioned above.

Your insurance is capable of covering several medical and non-medical options at Italy, but some exceptional cases can hinder your insurance company from covering your expenses.

What are the risks covered by the insurance policy

In this section we inform you about the medical and non-medical options covered by your insurance policy.

Medical Options

The following medical cases are covered by your insurance:

  • Hospitalization.
  • Outpatient treatment by authorized specialist.
  • Prescribed Medicines.
  • Prescribed treatments by Physiotherapist.
  • Provision of pain relieving dental treatment.
  • Ambulance transportation.
  • Medical evacuation or repatriation approved and coordinated by the insurance company.
  • Pregnancy

If you are pregnant, consult your Insurance company before purchasing, in order to know if the insurance will cover expenses for either prenatal or postnatal care.

Non-Medical Options

Provided you include non-medical options in your insurance schedule, they will be covered by your insurance in the following cases:

  • Accidents resulting in direct death or total disability.
  • Maximum baggage cover per person in a trip, in events of theft, robbery or fire, loss or damage of registered baggage, loss of passport, cash , laptops or mobile phone.
  • Baggage Delay.
  • Personal liability.
  • Travel delay.

Your insurance company may refuse to cover your expenses in the following cases mentioned below:

  • In event of suicide or deliberate self-harm, the insurance company will not be held responsible for your medical expenses.
  • Medical insurance will not cover the costs, if the contract were provided with false information about the state of your health or risks assumed in the journey.
  • If your accident is due to drug abuse or intoxication by alcohol or smoking close to an inflammable environment, you will be treated at your own expense.
  • Insurance companies will not be liable for payments involving the treatment of menstrual disorders, conservation, management of pregnancy, artificial insemination, pregnancy prevention, and treatment of impotence.
  • Insurance will not cover trips to places experiencing civil unrest, act of terrorism, state of emergency, epidemic plague, war or natural disaster.
  • Travelling for the purpose of medical treatment.
  • Your insurance coverage will fail if the accidents are experienced as a result of your fault. For example, if you don’t pay attention to risk reports and updates provided by your insurer.
  • It is dispensable to bathe where sharks are seen, and on the shores that prohibits bathing. Hence, avoid unfamiliar water bodies. They may contain deadly, poisonous animals and insects that cause possible paralysis. It is not advisable to climb mountains with deadly signs and warning of avalanches or rock falls.

What shall I do in case something happen?

  • In situations of an emergency or distress, inform your insurance company’s customer care with the telephone number provided in your insurance document. It is recommended that you register this phone number in your phone contact.
  • Tell them your name, address, passport identification number, and explain all details and symptoms confronting your situation to the insurer’s customer care agent. You must introduce yourself with the exact details provided in your insurance policy document.
  • The customer care agent will direct you to the address of the nearest recommended hospital. You are strictly mandated to receive treatment only in hospitals suggested by the agent.
  • Do not pay for expensive medical bills without written consent of the insurance company, unless you are in a critical medical condition.
  • Provide your insurance card to the proper medical staff in the hospital, and consult the recommended physician.
  • Go to the recommended pharmacy, issue the doctor's prescription and obtain prescribed drugs.
  • Keep all receipts, schedule dates and transportation tickets confirming expenses on treatment, medicine, medical procedures, operations and transportation.

Average Cost of Services

Health care services are freely provided by public hospitals (SSN) to citizens of EU in Italy. Travelers or tourist can access medical treatment and services from either general physician or specialist with your medical insurance. If you have any doubt visit link or contact your health insurance company for further clarification.

Resourceful Emergency Numbers in Italy

In cases of distress, you can use these emergency numbers in the table below as your last resort.

Services
Telephone
Police (Carabineri)
112
General Emergency (Soccorso pubblico di emergenza
113
Fire brigade (Vigili del fuoco)
115
Forest Fire (Incendio boschivo)
1515
Road Traffic Assistance (Socorso Stradali)
116
Ambulance/Medical Emergencies (Emergenza sanitaria)
118

Safety

This section provides you with information required to protect your life and properties from dangerous occurrences, while you spent your time in Italy, by bringing your attention to elements that could compromise your safety and comfort in Italy.

Health Risk

Italy has an excellent health care system and in terms of life expectancy, it is ranked as the 4th country in the world. Majority of the recorded health issues are due to citizens’ sedentary way of life, high alcohol and tobacco. Hence, you are not required to take a particular kind of vaccine to prevent these diseases, but you are required to various kinds of vaccine as regards to your current health status, before entering Italy. Children require inoculation like Measles-Mumps-Rubella (MMR), polio vaccine, Tetanus-diphtheria and influenza shots, if you intend travelling with a child.

If you plan on camping, wildlife and other outdoor activities, then receive an anti-rabies vaccine. You might also immunize yourself against deadly diseases like Hepatitis A, Legionnaire’s disease and Chikungunya fever which has been associated with travelers from Germany, Jordan, India and Netherlands. You might be required to show a proof of immunization, if you come from countries where yellow fever is predominant. Avoid unprotected sex in order to prevent HIV/Aids and other Sexually Transmitted Diseases (STD).

The food and water in Italy are healthy, but it is advisable to avoid foods from street vendors. You can always obtain healthy drinking water from kitchen taps and fountains. The drugs in most Italian pharmacies may not have the same name or dosage with drugs from your country. So, you may want to bring medications from your home country. But if you plan to do so, then seal your drugs with containers bearing details about its composition. It is also advisable to collect the generic name of drugs from your physician at home before coming to Italy. It is advisable to travel with a portable first aid box.

Animals, insects, natural disasters, weather and climate

Always avoid close contacts with strange animals and insects. Protect yourself from mosquitoes by wearing protective clothing, and treat mosquito bites by washing and disinfecting the affected portion of the skin. Protect yourself, child and pets from castor bean ticks, Mediterranean black widow spider, wolf and, Asp viper and bears. Avoid places that can harbor these animals.

Italy has experienced the following natural disasters in the past:

  • Flood;
  • Earthquake;
  • Landslides;
  • Avalanche;
  • Tsunamis.

Crime

Global study of homicide by the United Nations in 2013, revealed that Italy had a murder rate of 0.9 per 100,000 people in 2012. The study showed that in 2012, there about 530 murders in Italy. A 2009 study by Tom Kington in Rome, indicated that the high rate of crime in Italy is influenced by the Mafia. It also explained that lives and resources have been lost in the process of fighting against the Mafia.

Crime statistics shows that Italy has a lower rate of rate than its fellow EU countries. Southern Italy is most affected by organized crime. In places like Sicily and Apulia there is high rate of drug trades. The central part of Italy is calmer, but in places like Milan, there have been reported case of drug trade and homicide. Petty crimes like pickpocketing, theft of purses and car burglary are common in large cities.

Road Accident statistics

The bar chart below represents the frequency of road accidents in Italy for 2015.

Road Accident statistics

Terrorism in Italy

In the past there have been cases of terrorism in Italy and various countries of the EU. One alarming concern is the fact that Italy has been used as the route by terrorists into other places like Germany and England. In 2016, a plot by ISIL to attack the Vatican was unfolded, and since then the authorities have been alert. Most of these attacks are usually committed against innocent tourists and citizens at places with dense population. It is recommended that you adhere to the instructions of the Italian authority at all times.

How to obtain an Insurance policy online

Provide the URL of your insurance company website in the web browser's address bar. If you don't know this address, you can just type the name of the company on the browser’s address bar and its search engine will display a list of hot links. Then click on the first link. Scroll over the load web page and locate a form.

Provide the following required information:

  • Insurance option;
  • Destination country;
  • Your source country;
  • Date of departure;
  • Return date;
  • Number of trip;
  • Click on the “calculate” button.

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