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HEALTH

Italy introduces €2,000 healthcare charge for some foreign residents

Italy has introduced an annual €2,000 registration fee for some international residents to be able to access its national health service, as one of the cost-saving measures included in the country's 2024 budget law.

Some foreigners will have to pay significantly more to use Italy's healthcare service following a 2024 budget announcement.
Some foreigners will have to pay €2,000 to use Italy's healthcare service starting this year. Photo by Piero CRUCIATTI / AFP.

The new rules came into force as of January 1st under the Italian government’s 2024 budget law, which was approved at the end of December.

The new minimum fee applies to foreign residents in Italy who pay for their health insurance already. That means those who fall under the country’s ‘voluntary’, as opposed to ‘mandatory’ (or free), healthcare registration rules.

READ ALSO: Q&A: What you need to know about Italy’s €2,000 healthcare fee

That includes pensioners on elective residence visas, diplomatic and consular staff working for foreign governments, employees of international organisations, volunteer workers, and people over the age of 65 in Italy for family reunification reasons (who arrived after November 5th, 2008).

Individuals in this situation previously had to pay an annual fee of at least €387.34, rising to as much as €2,788.87 based on income calculations – meaning most will pay significantly more going forward.

Foreigners who fall under Italy’s ‘mandatory’ healthcare registration rules, including employees of Italian companies, the self-employed, those on Italy’s unemployments lists, asylum seekers, and minors, will continue to be exempt from registration fees.

The charge was introduced via an amendment to a 1998 law governing the situation of foreigners in Italy, replacing the words “the minimum contribution provided for in the current regulations,” with “€2,000 annually” in a clause on annual heath service registration costs.

Two exceptions are non-EU foreigners in Italy on a study permit, who under the new rules will be required to pay at least €700 a year, up from €149.77, and au pairs, who will pay €1,200, up from €219.49.

The change was first tabled in an early draft of the budget published in October, but there was widespread confusion as little detail was given at the time.

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For members

DRIVING

MAP: Where in Italy is car insurance cheapest – and most expensive?

Italy is one of the most expensive countries in Europe when it comes to vehicle insurance – but some parts of the peninsula are far pricier than others.

MAP: Where in Italy is car insurance cheapest - and most expensive?

Car insurance has been in the news in Italy this week following media reports of an emerging insurance evasion tactic that sees growing numbers of Italian motorists dodge steep coverage charges by having their vehicle registered in another EU country, with Poland being the most popular choice. 

The phenomenon, which is estimated to have already led to the presence of over 50,000 foreign-plate vehicles in the country, follows major increases in car insurance costs in recent years, with the average cost of third-party liability insurance (Responsabilita’ Civile or RC in Italian) rising by over 10 percent in the past two years.

But, as consumer groups say these increases are “totally unjustified”, how much does insuring a vehicle currently cost in Italy?

According to the latest available data from Italy’s insurance supervision authority IVASS, the average cost of the compulsory RC coverage – this only covers the costs of damage and injury to other parties – is 395 euros a year. 

For reference, minimum compulsory insurance costs motorists in Germany 304 euros a year on average, whereas drivers in Greece and Poland spend an average of 145 and 120 euros respectively every year, according to data from national auto repair shop association Federcarrozzieri.

READ ALSO: How can you lose your driving licence in Italy?

It’s also worth noting that motorists in Italy often choose to tack on one or more optional insurance policies (these are known as ‘additional guarantees’ or garanzie accessorie) to their basic RC coverage, with additional expenses amounting to somewhere between 400 and 500 euros in some cases.

While there is no publicly available data on how the costs of insurance add-ons vary around the country, IVASS regularly publishes a breakdown of the cost of RC coverage by Italian province.

The latest available report, which refers to data collected in February 2024, shows stark differences in insurance charges around the country, with a 280-euro gap separating the most expensive province (Naples) from the most affordable one (Enna, Sicily).

Besides Naples (569 euros a year on average), the list of ten most expensive Italian provinces for basic RC policies is completed by: Prato (565 euros), Caserta (508), Florence (483), Pistoia (482), Massa-Carrara (480), Lucca (464), Pisa (454), Roma (451) and Genoa (441).

Six of these provinces are located in Tuscany.

READ ALSO: The key vocabulary you’ll need for taking your driving test in Italy

On the other end of the spectrum, Enna (289 euros a year) is followed by: Oristano (297), Potenza (301), Pordenone (312), Vercelli (315), Biella (316), Aosta (316), Campobasso (321), Trento (322), Udine (324) and Gorizia (325).

What’s behind these differences?

The cost of Italy’s RC policy varies depending on the characteristics of the vehicle needing insurance as well as a driver’s personal details, with their location playing a major role in the final bill.

In particular, insurance costs are higher in areas with a high frequency of car accidents (hence why insurance tends to be more expensive in large metropolitan areas than in rural areas) and in areas with high rates of insurance fraud and insurance evasion (an estimated 2.6 million vehicles circulate in the country without the mandatory RC coverage).

Though Giuseppe Conte’s government in 2018 advanced plans to standardise the cost of basic RC insurance and apply the same charge (or tariffa unica) to all motorists around the country, these were later abandoned following consumer groups’ concerns that the new system would ultimately penalise drivers in “the more virtuous provinces”.

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