Prima.it Assicurazione Salute Prima.it
€0 da €X/mese
- Ricovero ospedaliero: Sì
- Visite specialistiche: NO
- Copertura dentistica: NO
- Periodo di carenza: 30 giorni
Compare Private Health Insurance in Italy
Compare the top private health insurance providers in Italy — see cover, features and typical rates side by side.
Live offers
20 live offers compared from 20 providers, from €0 da €X/mese. Updated daily.
Europ Assistance Sanitaria Europ Assistance Italia
€0 da €X/mese
- Ricovero ospedaliero: Sì
- Visite specialistiche: Sì
- Copertura dentistica: NO
- Periodo di carenza: 60 giorni
PosteAssicura Sanitaria Poste Italiane
€0 da €X/mese
- Ricovero ospedaliero: Sì
- Visite specialistiche: NO
- Copertura dentistica: NO
- Periodo di carenza: 30 giorni
Groupama Assicurazione Sanitaria Groupama Assicurazioni
€0 da €X/mese
- Ricovero ospedaliero: Sì
- Visite specialistiche: Sì
- Copertura dentistica: Sì
- Periodo di carenza: 60 giorni
Sara Assicurazione Sanitaria Sara Assicurazioni
€0 da €X/mese
- Ricovero ospedaliero: Sì
- Visite specialistiche: NO
- Copertura dentistica: NO
- Periodo di carenza: 30 giorni
HDI Assicurazione Sanitaria HDI Assicurazioni
€0 da €X/mese
- Ricovero ospedaliero: Sì
- Visite specialistiche: Sì
- Copertura dentistica: NO
- Periodo di carenza: 60 giorni
Cattolica Assicurazione Sanitaria Cattolica Assicurazioni
€0 da €X/mese
- Ricovero ospedaliero: Sì
- Visite specialistiche: Sì
- Copertura dentistica: Sì
- Periodo di carenza: 90 giorni
Reale Mutua Assicurazione Sanitaria Reale Mutua
€0 da €X/mese
- Ricovero ospedaliero: Sì
- Visite specialistiche: Sì
- Copertura dentistica: Sì
- Periodo di carenza: 60 giorni
Helvetia Assicurazione Sanitaria Helvetia Italia
€0 da €X/mese
- Ricovero ospedaliero: Sì
- Visite specialistiche: NO
- Copertura dentistica: NO
- Periodo di carenza: 30 giorni
Itas Mutua Assicurazione Sanitaria Itas Mutua
€0 da €X/mese
- Ricovero ospedaliero: Sì
- Visite specialistiche: Sì
- Copertura dentistica: NO
- Periodo di carenza: 60 giorni
MetLife Assicurazione Sanitaria MetLife Italia
€0 da €X/mese
- Ricovero ospedaliero: Sì
- Visite specialistiche: Sì
- Copertura dentistica: Sì
- Periodo di carenza: 90 giorni
EMAPI Assicurazione Sanitaria EMAPI
€0 da €X/mese
- Ricovero ospedaliero: Sì
- Visite specialistiche: Sì
- Copertura dentistica: Sì
- Periodo di carenza: 90 giorni
Filo Diretto Assicurazione Filo Diretto Assicurazioni
€0 da €X/mese
- Ricovero ospedaliero: Sì
- Visite specialistiche: Sì
- Copertura dentistica: NO
- Periodo di carenza: 60 giorni
Blue Assistance Sanitaria Blue Assistance
€0 da €X/mese
- Ricovero ospedaliero: Sì
- Visite specialistiche: Sì
- Copertura dentistica: Sì
- Periodo di carenza: 60 giorni
Mutua MBA Sanitaria Mutua MBA
€0 da €X/mese
- Ricovero ospedaliero: Sì
- Visite specialistiche: Sì
- Copertura dentistica: Sì
- Periodo di carenza: 90 giorni
UniSalute UnipolSai Assicurazioni
€35 /mese
La divisione sanitaria di UnipolSai è il più grande gestore di fondi sanitari in Italia. Offre polizze individuali e collettive.
- Ricovero ospedaliero: SÌ
- Visite specialistiche: SÌ
- Copertura dentistica: Sì (base)
- Periodo di carenza: 30 giorni
AXA Salute AXA Italia
€38 /mese
Polizza sanitaria modulare AXA: inizia con la copertura ospedaliera, aggiungi le cure ambulatoriali o dentistiche in qualsiasi momento.
- Ricovero ospedaliero: SÌ
- Visite specialistiche: Opzionale
- Copertura dentistica: Opzionale
- Periodo di carenza: 30 giorni
Salute generale Generali Assicurazioni
€40 /mese
Copertura sanitaria privata completa: accesso ai migliori ospedali privati italiani senza liste d'attesa del Servizio Sanitario Nazionale.
- Ricovero ospedaliero: Sì, illimitato.
- Visite specialistiche: SÌ
- Copertura dentistica: componente aggiuntivo opzionale
- Periodo di carenza: 30 giorni di malattia / 0 giorni di infortunio
Saluto di Zurigo Zurich Italia
€42 /mese
Assicurazione sanitaria privata con sede a Zurigo, con copertura per emergenze in tutto il mondo e servizio di telemedicina.
- Ricovero ospedaliero: SÌ
- Visite specialistiche: SÌ
- Copertura dentistica: SÌ
- Periodo di carenza: 60 giorni di malattia
Allianz Salute Allianz Italia
€45 /mese
Assicurazione sanitaria privata Allianz con rimborso rapido delle prestazioni e accesso alle cliniche senza contanti.
- Ricovero ospedaliero: SÌ
- Visite specialistiche: SÌ
- Copertura dentistica: Opzionale
- Periodo di carenza: 30 giorni
What is Private Health Insurance in Italy?
Private health insurance (polizza sanitaria) in Italy is a voluntary, integrative product that sits on top of the public Servizio Sanitario Nazionale (SSN). Every resident is already entitled to SSN care, so private cover is not a replacement — it is bought to get faster access to specialists, skip waiting lists, choose private clinics, and reimburse costs such as dental work, diagnostics and hospital stays that the SSN covers slowly or only partly.
How the Italian market works
Health cover reaches Italians through two main channels: individual polizze sanitarie sold by insurers, and collective fondi sanitari or casse — often linked to employment contracts (CCNL) or professional categories — which reimburse members' medical expenses. Many people first gain cover through a workplace fondo and then top it up individually. Policies define a network of convenzionato clinics where costs are paid directly, or reimburse you afterwards against invoices.
Key features
Rimborso spese mediche — reimbursement of specialist visits, diagnostics, tests and treatment, within annual limits.
Grandi interventi chirurgici — cover for major surgery and hospitalisation, usually the core benefit with the highest massimale.
Diaria da ricovero — a fixed daily cash allowance for each night spent in hospital.
Dental and prevention — many plans add dental care and preventive check-ups, areas the SSN covers poorly.
How to choose
Decide whether you mainly want protection against a costly major-surgery event or broader everyday reimbursement of specialists and dental care — the two goals lead to very different plans. Compare the massimale, any franchigia or scoperto (percentage you retain), and the periodi di carenza before cover starts, which can be months for illness and longer for maternity or dental. Check the size and quality of the convenzionato network near you, since direct-payment access is a big practical advantage.
Leading providers in Italy
Major health insurers in Italy include AXA Italia, Generali Assicurazioni, UnipolSai Assicurazioni, Zurich Italia and Allianz Italia, with Europ Assistance Italia strong on assistance-led health and Poste Italiane distributing accessible plans through its branch network. The digital broker Prima.it also offers comparison and cover. Many of these insurers additionally manage or partner with occupational fondi sanitari.
What it costs
Individual premiums are usually quoted monthly and depend heavily on age, cover level and whether major surgery, everyday reimbursement and dental are all included. Entry-level or employer-subsidised cover can be very cheap, while a fuller individual plan commonly runs up to around €45 per month. Premiums rise with age and with higher massimali and lower franchigie.
Protections and regulation
Insurers and intermediaries are supervised by IVASS and must appear on the RUI register. Contributions to registered fondi sanitari and certain premiums can carry tax advantages, and some health policies qualify for the 19% detraibilità (IRPEF deduction) within legal limits — worth checking the specific product's tax treatment. Pre-contract DIP and set informativo documents set out exclusions and waiting periods, and complaints can be escalated to IVASS.
Common questions
Do I still need the SSN if I have private cover? Yes — the SSN remains your universal baseline; private insurance is integrative and works alongside it.
Are pre-existing conditions covered? Generally excluded or subject to long waiting periods; always declare your health history honestly.
What is the ticket? The ticket is the co-payment you make for some SSN services; private cover can help reduce reliance on it by funding private alternatives.
The cheapest Private Health Insurance in Italy is €0 da €X/mese from Prima.it.
Private Health Insurance in Italy — FAQ
How much does private health insurance cost in Italy?
Giraffy tracks 5 private health insurance products across Prima.it,Europ Assistance Italia,Poste Italiane,Groupama Assicurazioni,Sara Assicurazioni insurers in Italy. The lowest tracked monthly premium is €0 da €X/mese. Premiums depend heavily on age, health status, level of cover, and excess chosen.
What does private health insurance typically cover?
Core cover usually includes: inpatient hospital treatment (surgery, overnight stays), specialist consultations, diagnostic tests, and sometimes cancer care. Many policies exclude mental health, dental, and optical as standard — these can be added as upgrades. Always check the specific policy schedule for exclusions.
What is excluded from most private health insurance policies?
Common exclusions include: pre-existing conditions (at least at first), chronic long-term conditions, cosmetic surgery, fertility treatment, organ transplants (often), and treatments abroad. Exclusions vary significantly between insurers — compare the policy wordings, not just the headline price.
What is an excess on a health insurance policy?
The excess (or deductible) is the amount you pay towards each claim before the insurer covers the rest. A higher excess lowers your monthly premium. Set your excess at an amount you could comfortably afford to pay in a year — this balances premium savings against out-of-pocket cost if you need to claim.
Can I get private health insurance with a pre-existing condition?
Yes, but most insurers will exclude your pre-existing condition from the policy, or apply a 'moratorium' — where the condition is excluded until you've been symptom-free for 2+ years. 'Full medical underwriting' lets you know at outset exactly what's excluded, giving more certainty than a moratorium.
Does private health insurance cover mental health treatment?
Mental health cover is increasingly included in standard policies, but terms vary significantly. Check whether inpatient psychiatric care, therapy sessions, and psychiatric medication are covered, and whether annual session limits apply. Some insurers offer digital mental health support as a standard perk.