As one of the most iconic countries in all of Europe, Italy is the home to a remarkable collection of art, literature, and cuisine. Italian culture dates back over 2000 years, but since World War II Italy has undergone several political and social transformations. Today the country has a thriving economy and with nearly 48 million tourists each year, Italy is the fifth most visited country in the world. Most expatriates will choose to reside in Rome, the capital of Italy.
Healthcare in Italy
Like many other countries in the region, medical facilities are mostly available in populated areas. Public hospitals provide emergency services free of charge but may not be up to par with private hospitals. Private care can be expensive, so health coverage is recommended. Local health plans may not cover expatriates. To learn more about the healthcare system in Italy, check out our healthcare region page.
Insurance for Expat in Italy
Some expats seek medical coverage locally, but most want international health insurance plans that Expat Financial can source. We can also be a key resource for expats in search of global life and disability coverage on an individual or group basis.
Aside from healthcare in Italy, here are some other insurance considerations for foreigners living there:
Car Insurance
If you drive in Italy, auto insurance is mandatory and you will require Third-Party Liability (RC Auto). You should also consider optional add-ons such as Collision (Kasko), which covers damage to your own car. Most plans will also offer you:
- Theft & Fire
- Roadside Assistance
- Driver Injury
Note that the price will be impacted by your location, age, driving history, value and style of auto and more. Note that EU licenses are valid, but non-EU licenses may require an International Driving Permit or an Italian license after one year.
Property & Rental Insurance
Most expats who are living in Italy and who are renting will want to buy Tenant Insurance (Assicurazione per Affitto). These plans often cover:
- Fire, theft, water damage
- Personal belongings
- Liability – such as you damaging your neighbor’s property
If you own your home in Italy, you will require homeowner insurance coverage including the above, but also:
- Building insurance (structure)
- Contents insurance (furniture, electronics, valuables)
- Earthquake and flood insurance may be separate add-ons, depending on the region.
Legal Insurance
Italy is definitely not as litigious as the USA, but some expats may seek out legal protection insurance can help with:
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Tenant-landlord disputes
- General liability matters
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Contract disagreements
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Car accidents
The cost for such plans is often bundled with other policies and separate and a low cost.
Global Life & Disability Coverage
If you are an expat working in Italy and not being provided income or life protection from your employer, you should consider obtaining global life insurance as you may not be elible for local plans, which are meant for Italians, not foreigners.
If you require a quote for Italian expat insurance, contact Expat Financial today for a quote and to discuss your Italian expat insurance requirements.
