“Health insurance for an Italy tourist visa: choose the right coverage for your trip”

Understanding Health Insurance for the Tourist Visa to Italy

Travelling to Italy can be an unforgettable experience, but it is important to be prepared for any health emergencies. 

The Italian government requires that all tourist visa holders have adequate health insurance for the duration of their stay. (coverage of at least 30,000.00 euros).

In this article, we will explore the requirements for the tourist visa, the different types of health insurance available, and how to choose the right policy for your travel experience in Italy.

Our health insurance has no age limit, covers Covid-19, and is valid throughout the Schengen Area.

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Requirements for the Tourist Visa

To obtain a tourist visa for Italy, travellers must prove that they have health insurance covering any medical and assistance expenses during their stay in the country. The required coverage must be at least 30,000 euros and must be valid for the entire duration of the stay in Italy.

Types of Health Insurance

There are several types of health insurance available for tourist visa holders in Italy, including:

• Private health insurance: This option offers comprehensive coverage for medical and assistance expenses during your stay in Italy. The cost varies depending on the provider and the benefits offered, but it is usually higher than the other options.
• International health insurance: This option is ideal for travellers who intend to travel abroad frequently and require comprehensive coverage for medical and assistance expenses. The cost is usually more affordable than private health insurance.
• Health insurance provided by the travel company: Many tour operators and travel companies offer health insurance options as part of the travel package. This option can be cheaper than others, but it is important to check the coverage and the benefits offered.

Comparing the Options

Type of Insurance	Cost	Coverage	Benefits
Private Health Insurance	High	Comprehensive	High
International Health Insurance	Affordable	Comprehensive	Good
Health insurance provided by the travel company	Affordable	Comprehensive	Good

In conclusion, understanding health insurance for the tourist visa to Italy is important to ensure a safe and worry-free trip.

Travellers should be aware of the specific requirements of the tourist visa and of the different health insurance options available, including their coverage and costs. It is important to compare the various options to find the one best suited to your needs and budget. Choosing the right health insurance can make all the difference in the event of a medical emergency during your trip.

We invite readers to share this post with friends and family who might be interested in the topic, or to ask further questions for more information. Choosing the right health insurance is a crucial step toward a safe and relaxing trip to Italy.

The policy we offer insures personal risks for non-residents of Italy during trips to Italy and/or to the countries that are party to the Schengen Treaty.

What is covered by the health insurance policy with no age limit?

1. Assistance in Case of Illness/Injury – medical consultation; 
2. Dispatch of a doctor or an ambulance in Italy; 
3. Referral to a specialist doctor; 
4. Medical repatriation (including repatriation of remains up to Euro 5,000.00); 
5. Return with a family member (up to Euro 200.00 for return to Italy and Euro 500.00 for return abroad); 
6. Travel of a family member (up to Euro 1,000.00); 
7. Accompaniment of minors (up to Euro 1,000.00); 
8. Return of the convalescent insured person; 
9. Extension of the stay (up to Euro 40.00 per day for a maximum of three days); 
10. Early return (up to Euro 1,000.00).

Medical Expenses

11. Coverage or reimbursement is provided for the medical/hospital/pharmaceutical expenses you have to bear during the trip due to a sudden illness or injury. Maximum coverage of Euro 30,000.00. 

What is NOT covered?

Activities involving the use of mines, weapons and/or hazardous substances, access to mines, excavations and/or quarries and extractive activities on land and at sea; trips to engage in professional/extreme sports and to take part in competitions/contests/training sessions.

Under Assistance and Medical Expenses, claims caused by the following are excluded:
−  chronic or pre-existing illnesses;
−  illnesses related to pregnancy beyond the 26th week of gestation and to the puerperium;

−  nervous and mental illnesses, organic brain syndromes, schizophrenic disorders, paranoid disorders, manic-depressive conditions;
−  illnesses and injuries resulting from or arising out of the abuse of alcohol or psychotropic drugs, as well as the use of narcotics and hallucinogens;
−  attempted suicide or suicide;
−  injuries arising from the following activities: mountaineering involving rock climbing or access to glaciers, ski or water-ski jumping, the driving and use of bobsleds, kite-surfing; the driving and use of hang gliders and other types of ultralight aircraft, paragliders and similar, sports involving the use of motor vehicles or watercraft, air sports in general, acts of recklessness, the related trials and training, as well as all injuries suffered as a result of sporting activities carried out on a professional basis or in any case not on an amateur basis (including competitions, trials and training)
−  car, motorcycle or powerboat racing and the related trials and training
−  the removal and/or transplantation of organs;
−  the correction of physical defects or congenital malformations and procedures of a cosmetic nature;
−  your wilful misconduct;
−  floods, inundations, earthquakes, volcanic eruptions, atmospheric phenomena having the characteristics of natural disasters, phenomena involving the transmutation of the atomic nucleus, radiation caused by the artificial acceleration of atomic particles;
−wars, strikes, revolutions, riots or civil unrest, looting, acts of terrorism and vandalism.
−  epidemics or pandemics as declared by the World Health Organization, with the exception of Covid-19
−  indirect consequences of the Covid-19 epidemic/pandemic. The following are also excluded from Medical Expenses:
−  all expenses incurred if you have not notified Europ Assistance of the hospitalisation or emergency-room treatment that has taken place;
−  expenses for the treatment or correction of physical defects or congenital malformations, procedures of a cosmetic nature, supplementary nursing care during hospitalisation, physiotherapy, spa and weight-loss treatments, dental care (not due to injury);
−  expenses for glasses, contact lenses, orthopaedic and/or prosthetic devices;
−  expenses for transport or transfer to the place where you are staying.

Are there coverage limits?

INTERNATIONAL SANCTIONS (valid for all Coverages)
“International Sanctions” means the set of national and international provisions governing embargoes, sanctioned individuals and entities, the financing of terrorism, and trade restrictions adopted by: (i) the United Nations; (ii) the European Union; (iii) the United States of America, mainly through the Office of Foreign Assets Control of the U.S. Department of the Treasury; (iv) the United Kingdom; and (v) the national jurisdictions governing these Insurance Conditions.
Europ Assistance Italia S.p.A. is not required to provide any insurance coverage, to settle claims, or to provide the benefits or services described in the Insurance Conditions if doing so exposes it to any sanction, prohibition or restriction under United Nations resolutions or under the trade or economic sanctions, laws or regulations of the European Union, the United States of America, the United Kingdom, or the applicable national jurisdictions governing these Insurance Conditions.

This clause shall prevail over any clause to the contrary that may be contained in these Insurance Conditions.

The insurance coverage is not operative in the following countries: Syria, North Korea, Iran, Venezuela, Belarus and in Crimea

Warning!

If you are a “United States Person” and you are in Cuba, in order to receive the assistance, indemnities/compensation provided for in the Policy, you must prove to Europ Assistance Italia S.p.A. that you are in Cuba in compliance with U.S. law. Without authorisation for your stay in Cuba, Europ Assistance Italia S.p.A. cannot provide assistance or grant you indemnities/compensation

TRAVEL RESTRICTIONS

You are not covered if you travel to a country, region or geographical area to which the competent governmental authority in your country of residence, or in the destination or host country, has advised against travelling or, in any case, against residing, even temporarily

SUBSCRIPTION LIMITS

The insurance is valid for persons domiciled but not resident in Italy. However, for those who obtain residence in Italy during the term of the contract, the Insurance retains its validity until expiry.

AGE LIMITS (Valid only for policies with an annual term) The Insurance is valid for persons not over 70 years of age. However, for persons who reach that age (70 years) during the term of the contract, the coverage retains its validity until the expiry of the Policy.

For Assistance:

the benefits are not provided in those countries that are in a state of declared or de facto belligerence. Such countries are deemed to be those listed on the website http://www.exclusive-analysis.com/jccwatchlist.html that show a risk level equal to or greater than 4.0″.

For Medical Expenses, coverage is limited to:
–  Euro 200.00 per day for hospital room and board;
–  Euro 200.00 for urgent dental care;

–  Euro 200.00 for prosthesis repair;
A deductible of 20% applies to the reimbursement of medical expenses, with a minimum of Euro 52.00 and a maximum of Euro 2,600.00.

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