Health Insurance Matters In Italy

This article takes a look at the health insurance aspect in Italy, especially when expats consider living and working in this country, with or without family.

For those who are planning to live in Italy in cities like Reggio Calabria, they would need to know what the health care policies in the country are. There is a subsidized plan that every family is entitled to and it is provided to outsiders who settle here as well.

·         Private Health Insurance

Many residents opt for a private health insurance additionally for having a subsidized state health plan that covers them. The private health insurance policy helps to pay medical bills that are not within the coverage of social security. For those who are coming from outside and not entitled to public health coverage, it is best to opt for private health insurance. This was made mandatory for non EU residents as well at the time when they apply for a visa or a residence permit.

·         Policies To Avoid

Even when one opts for a private health insurance policy, it is important to note points that one should ensure when taking up a health cost coverage. It is especially important to go through the terms and conditions of the policies. For instance, some companies might cancel a policy unilaterally in case one suffers a serious illness or when one has reached a certain age. These terms need to be read before taking up such a policy as it might be difficult to get an alternate cover if a policy is suddenly cancelled. Again, some offer one year contracts which might be difficult as some companies do not wish to renew.

·         How To Choose A Policy

At the time of choosing the amount of coverage, it is advisable that you opt for the maximum limit on claims. Certain policies have a fixed amount that can be claimed. It is necessary to ensure that the fixed amount of claim is not too low and that it covers all members of your family. Of course, if you choose to have a high amount of cover, the premiums will also be higher.

• Additional Factors

Whether you are approaching banks or insurance companies, ensure that you know the different options available to you. Some insurance companies offer cover for loss of earnings and have nuclear family policies as well. In certain cases, when you have a policy of another country, you might be able to extend the same to another country like Italy. These points need to be noted and checked before you opt for a new health cover in the foreign country you are moving to.

The article has been authored by a financial expert. Hailing from a financial investment background, his passion is to advise people on financial matters when they are relocating and the policies that they need to consider and take up like health insurance. He has also written related topics on banks and other insurance matters.

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Created on Dec 31st 1969 18:00. Viewed 0 times.

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