In Italy health care is a right, granted to all individuals living in this country and and no one, therefore, with such a certainty from their own government, should be thinking about buying an additional private health insurance..
If it were not for the countless cases of bad health care given by today’s hospitals in Italy!
In some cases deciding to buy such a product could prove to be a profitable investment, as indeed often happens in the insurance field. Thanks to a recent study case made by europaeurope we now know that more and more people from Italy are buying an additional private health care insurance besides the traditional one, provided by their country!
Their whole reasoning behind it, as with any other insurance decision is that want to make sure they can feel protected from something unpredictable.
There are three types of health insurance in Italy right now:
- Invalidità permanente
- A rimborso
The first type of insurance, Invalidità permanente, provides coverage in the event that the contractor is unable to perform his work. The coverage amount is calculated taking into account what this inability prevents the contractor from doing for his job.
For each reported damage there is an assigned percentage of value, and you can even get to a “100% disability” which means you’ll get a compensation of up to 100% of the value that your work would earn in normal circumstances.
The second type, A rimborso, provides a full or partial reimbursement of all medical expenses that the contractor has to face in such circumstances.
The third one is Temopranea, it means “temporary”, this kind of insurance may be useful in some – hopefully rarer – cases. Having such an insurance provides coverage when you are forced to rely on private hospitals or to pay for particularly expensive surgery that could save lives in some extreme emergency.
But besides all cases in which Italians simply don’t trust the “normal” health insurance provided by their government, there’s a lot users that purchase additional private health insurance policies becouse they work or live out of their own country. This number says it all: 46% of the people that decide to buy health insurance also buy the optional additional international one, so that they have a complete health insurance policy that is valid for their own country and abroad, for either shorter or longer stays, for work or holidays time.
However, with or without a personal private health insurance, even for very short stays out of Italy, the important thing is to always remember is that bringing the Sanitary ID – together with the passport or personal ID obviously – is now mandatory for all Italian citizens.
Having the Sanitary ID not only now serves as a partial identification document – it’s now a very different document than it used to be in the past, its current version has all personal information on it – but it also allows Italian citizens to have free access to all public health services in all countries of the EU.