Expat Insurance in Italy

Healthcare System in Italy

Italy has a good public healthcare system. EU visitors with EHIC get coverage, but non-EU travellers should take out travel insurance. Schengen visa applicants must have insurance.

What Expat Insurance Should Cover in Italy

• Inpatient & outpatient care — hospital stays and regular consultations
• Emergency medical evacuation — transport to your home country if needed
• Dental coverage — routine and emergency dental care
• Prescription drugs — medication costs can be significant
• Mental health support — therapy and psychological care
• Maternity — if relevant, check waiting periods carefully

Key Considerations for Expats in Italy

• Schengen visa requires insurance
• Mountain rescue can be expensive
• Private clinics are common in tourist areas
• Emergency number: 118 / 112
• Official language(s): Italian

Local Healthcare vs International Insurance

While Italy has a good-quality healthcare system, access and costs for non-residents can vary significantly. International expat insurance gives you the flexibility to choose your hospital and doctor, often with direct billing available at major private hospitals.