Need health insurance in Italy as an expat? This guide covers the top 10 insurance companies offering the best coverage options for expats living in Italy. From affordable plans to extensive networks, we’ve compared insurers like April International, GeoBlue, AXA, and more to help you find the right fit for your healthcare needs abroad.

Whether you’re looking for comprehensive coverage, low premiums, or specialized benefits like maternity or dental care, this list includes top providers with tailored plans for expats in Italy. Keep reading to learn about the best options to ensure your health is covered while living in Italy.

Learn more about the top 10 health insurance companies for expats in Italy who need or want private medical insurance. We’ll provide information about some additional insurance providers worth considering in Italy and how to choose the best plan for you or your family.

Many of these high-quality insurance companies are also listed among the top ten insurance providers worldwide for expats.

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The Best Health Insurance Options for Expats in Italy

The 10 best health insurance companies for expats in Italy are

• April International
• GeoBlue
• AXA
• NOW Health International
• Cigna
• Generali
• IMG
• Bupa
• Aviva
• Allianz Care

We’ll also provide some information about other health insurance companies in Italy for expats. You may also want to consider one of the following private international medical insurance companies:

• Passport Card
• A+ International Insurance
• HealthCare International

Universal is available to all citizens and permanent residents of Italy. For new expats in Italy, however, you’ll need to secure private health insurance, like the insurance provided by one of these reliable companies.

April International: Affordable Comprehensive Coverage for Expats in Italy

April International has some of the most affordable premiums for comprehensive coverage for expats in Italy. Additionally, many plans come with unlimited annual benefits. Plans start at only USD $197 for a 30-year-old female expat living in Italy.

Plans with an annual benefit limit are also available with a generous limit of USD $2,000,000. 

Expats who select April International have the ability to choose which deductible they would like. The following table shows the available annual deductibles, annual benefit limits, and pricing for plans in Italy based on a 30-year-old female expat.

The following table displays the available benefits of plans from April International for expats in Italy.

April International offers outstanding dental benefits for loyal expat policyholders. Their most comprehensive plans offer a limit of USD $4,000 in the first two years of coverage. After that, policyholders enjoy a limit of USD $5,000. Many insurance companies have significantly lower annual benefit sub-limits for dental coverage.

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• Worldwide Coverage (excluding the US)
• Access to Cigna’s trusted global network of hospitals and doctors
• 4 Core Insurance Plans

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• Lifetime Renewal Possibilities
• 24/7 Medical Help via Global Virtual Care
• Direct Billing Options

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GeoBlue: Global Network and Telemedicine Services for Expats in Italy

American expats moving to Italy should consider a plan from GeoBlue. This insurance company boasts one of the largest global direct billing networks, provides covered telemedicine services, and an unlimited annual benefit limit to policyholders.

GeoBlue’s plans start at USD $412 monthly for comprehensive coverage for a 30-year-old female expat in Italy. The annual deductible on this specific plan is USD $10,000. Policyholders in Italy enjoy comprehensive benefits that include an optical exam and some coverage for contacts or glasses.

You can use the following table to compare plans from GeoBlue for expats in Italy to the other Insurance Providers on our top 10 list.

AXA: High Annual Benefit Limits and Flexible Deductibles for Expats in Italy

AXA Health Insurance plans are worth considering for expats in Italy because AXA’s highest annual benefit limit is USD $8,000,000. Low-deductible plans with maternity coverage through AXA start at only $421 per month for a 30-year-old female in Italy.

AXA offers plans with $0 deductibles, and the highest deductible option is only $3,200 a year. When comparing premiums, make sure you consider the plan’s annual deductible. Having a lower deductible will reduce your spending at the point of care.

AXA’s options for annual deductibles on plans include:

• USD $3,200 per year
• USD $1,600 per year
• USD $400 per year
• USD $160 per year
• $0 per year

The following table will allow you to compare available benefits for Expats in Italy at a glance.

NOW Health International: Comprehensive Plans with Customizable Deductibles in Italy for Expats

NOW Health International’s comprehensive plans for expats in Italy start at $403 monthly for a 30-year-old female. The annual benefit limit is USD $4,500,000, and the annual deductible is USD $15,000. You’ll have a range of options for deductibles when you sign up.

NOW Health International’s plans offer the following comprehensive benefits to expats in Italy:

• Inpatient Treatment
• Outpatient Treatment
• Emergency Evacuation
• Emergency Repatriation
• Dental
• Maternity
• Optical Benefits

Deductibles through NOW Health are available in the following amounts.

• USD $15,000 deductible plans
• USD $10,000 deductible plans
• USD $5,000 deductible plans
• USD $2,500 deductible plans
• USD $1,000 deductible plans
• $0 deductible plans

The following table illustrates differences in coverage for plans through NOW Health International, including waiting period lengths.

Cigna: Affordable Plans with Essential Coverage for Expats in Italy

Cigna’s Silver plan is a fantastic and affordable option for expats who don’t need maternity coverage while in Italy. And for expats who do, Cigna has more comprehensive plans. The Cigna Silver Plan starts at only USD $164 monthly for a 30-year-old female expat in Italy.

Cigna’s Silver plan, with a monthly premium of $164, offers basic coverage for inpatient and outpatient care as well as dental coverage. The annual deductible is USD $10,000, and the annual benefit limit is USD $1,000,000.

Check out how Cigna compares to other companies in our top ten list using the following table.

Generali: Top Health Insurance Provider for Expats in Italy

Generali is a leading international insurance provider. Expats living in Italy can benefit from their travel and health insurance products. You can choose between their Medical Prime plan with the signature Generali coverage or Medical Select which offers extensive care with an alliance in Europe.

The Medical Select plan is ideal for residents of Northern Greece as this plan is in partnership with the European Interbalkan Medical Center in Thessaloniki.

The Medical Prime plan is ideal for expats in Italy who want quick and comprehensive treatment of any health need from one point of service. Coverage combines inpatient and outpatient benefits with access to cutting edge technology and treatments from highly specialized staff.

The table below shows a quick comparison of available benefits for Generali health insurance plans for expats in Italy.

IMG: Comprehensive Health Coverage for Expats in Italy

IMG’s top-rated international health insurance plans offer flexibility when it comes to getting worldwide or regional coverage. The Bronze Global Medical Insurance plan for a 30 year old female living in Italy for a year begins at USD $90 a month with a $10,000 deductible.

Expats in Italy can choose to be covered wherever they go, or to exclude certain countries like the U.S., Japan, and others. All 4 IMG plans include prescription drug coverage.

Here are the annual plan limits for each of IMG’s expat health insurance packages:

1. Bronze: $1,000,000
2. Silver: $5,000,000
3. Gold: $5,000,000
4. Platinum: $8,000,000

The deductible options available with IMG global medical plans in Italy include:

• USD $25,000 annual deductible
• USD $10,000 annual deductible
• USD $5,000 annual deductible
• USD $2,500 annual deductible
• USD $1,000 annual deductible
• USD $500 annual deductible
• USD $250 annual deductible

Next is a chart that details some of the core benefits available in Italy for expatriates who get insured through IMG Global.

Bupa for Expats in Italy

Bupa offers coverage for routine and travel vaccinations, 24/7 Global Virtual Care, and an extensive direct billing network for expats in Italy. Bupa policyholders enjoy high annual benefit limits for dental coverage with a co-pay.

Plans are available in Italy through IHI BUPA IHHP, Healthcare IHI BUPA ISM, and BUPA International Worldwide Health Options.

Annual benefit limits range from USD $2,000,000 to USD $4,400,000, and the following deductible amounts are available for plans through Bupa in Italy:

• USD $20,000 annual deductible
• USD $10,000 annual deductible
• USD $3,400 annual deductible
• USD $2,700 annual deductible
• USD $1,600 annual deductible
• USD $1,350 annual deductible
• USD $400 annual deductible
• USD $200 annual deductible
• USD $0 annual deductible

Bupa’s lowest-cost plan is an IHHP plan with a deductible of USD $20,000 and a monthly premium of USD $488 for a 30-year-old female expat residing in Italy.

The following table displays the coverage highlights for Bupa’s expat health insurance plans in Italy.

Aviva: Reliable Health Insurance Plans for Expats in Italy

Aviva has provided international health insurance for expats all over the world for over 30 years. Their core health plan includes coverage for consultations, specialists, diagnostic tests, hospital charges, cancer, mental health care, and more.

In addition to health insurance, Aviva is one of the only providers that also insures your car, home, boat, property and liability, life, travel, pet, retirement, and much more! If you want one insurer to use for everything, Aviva is your choice.

Aviva grants you access to hundreds of hospitals, and you can receive coverage only in their approved healthcare facilities. Approved private hospitals include:

• BMI
• Nuffield
• Spire
• NHS

Tools that come with Aviva insurance include:

• MyHealthCounts: an online health and wellbeing tool
• Aviva Digital GP for video consultations
• Get Active that grants you discounted services at gums and health and fitness clubs
• 24-Hour Stress Counseling Helpline
• Mental health support
• Cancare Care with Get Active

The following chart gives you a snapshot of the health benefits offered expats in Italy who are insured by Aviva.

 Allianz Care: Comprehensive Expat Health Insurance Plans for Expats in Italy

Allianz Care plans are available for expats in Italy. Worldwide coverage, including or excluding the United States, is available for expats with this high-performing insurance company. Select plans offer annual benefit limits of up to USD $5,000,000.

Allianz Care provides its policyholders with an Expat Assistance Program and coverage for second medical opinions.

Check out the options for coverage available through Allianz Care for expats in the table below.

More Health Insurers for Expats in Italy

There are more than ten outstanding insurance companies for expat medical insurance in Italy. Compare and consider plans from A+ International, HealthCare International, and Passport Card, too.

Passport Card for Expats in Italy

Passport Card offers comprehensive insurance plans with low deductibles for expats in Italy. Monthly premiums start at USD $350 monthly for a 30-year-old female expat. Regional or worldwide coverage is available. Expats can save by only selecting the necessary coverage area.

Note that worldwide coverage through Passport Card still excludes the United States, but other insurance companies have options if you need health insurance coverage including the United States.

Passport Card’s low annual deductible options include

• USD $2,000 annually
• USD $1,000 annually
• USD $500 annually
• USD $250 annually
• USD $0 annually

See the table below for a quick snapshot of the coverage available through Passport Card for expats in Italy.

A+ International Insurance in Italy for Expats

A+ International Insurance offers basic expat health insurance coverage at a bargain price. Monthly premiums start at USD $91 for a 30-year-old female living in Italy. Co-pays are low: only USD $10 per visit.

To customize the plan, you can choose your annual benefit limit. Options include a limit of USD $200,000 or $400,000. 

The following deductibles are available through A+ International Insurance:

• $0 annual deductible plans 
• USD $250 annual deductible plans
• USD $500 annual deductible plans
• USD $1,000 annual deductible plans
• USD $5,000 annual deductible plans

The following table shows the plan benefits through A+ International Insurance for expats in Italy.

HealthCare International in Italy for Expats

HealthCare International offers plans with co-pays ranging from no co-pay to 30%, so expats in Italy can customize their plans in multiple ways. More comprehensive plans through Healthcare International also offer benefits for acupuncture and traditional Chinese Medicine. 

Policyholders in Italy can choose one of the following annual benefit limits through HealthCare International:

• USD $1,500,000
• USD $2,000,000
• USD $2,500,000

Our Top Insurance Recommendations for Europe

• Worldwide Coverage (excluding the US)
• Access to Cigna’s trusted global network of hospitals and doctors
• 4 Core Insurance Plans

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• Lifetime Renewal Possibilities
• 24/7 Medical Help via Global Virtual Care
• Direct Billing Options

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Choosing the Best Expat Health Insurance in Italy

Choosing the best expat health insurance in Italy can be time-consuming. Using a broker’s obligation-free quote generator can help you compare multiple quotes at once and review the coverage specifics.

This article only provided a quick overview of the coverage selections available for expats in Italy through the top ten insurance companies. Many more aspects of coverage impact treatments and premiums. Working with a broker can help manage this complexity.

Frequently Asked Questions

Do Americans get free healthcare in Italy?

American citizens who qualify as permanent residents in Italy can access Italy’s universal healthcare. Americans without permanent resident status will need private international medical insurance for coverage in Italy.

How much does health insurance in Italy cost for expats?

Comprehensive health insurance plan premiums start at USD $91 monthly for a 30-year-old female expat in Italy. The age of the policyholder, the geographical coverage area, deductible, and annual benefit limits are aspects that affect the cost of expat health insurance in Italy.

Can you use US health insurance while in Italy?

US domestic health insurance plans will not cover you while traveling or living abroad, including travel to Italy. Secure travel insurance before visiting Italy because Medicaid, medicare, and other US plans will not cover you abroad.

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Conclusion

April International, GeoBlue, AXA, NOW Health International, Cigna, Morgan Price, William Russell, Bupa, Integra Global, and Allianz Care are the top ten expat health insurance companies in Italy.

Overwhelmed with shopping for health insurance abroad? Contact an insurance expert today for free and personalized help.

Are you still exploring places to live abroad? Check out the Top 10 Insurance Companies in Malta or the Top 10 Insurance Companies in Indonesia.

Additional Resources for Living Abroad in Italy as an Expat

Additional resources for moving and living in Italy as an expat are available in these Pacific Prime blog posts:

• The Best Places for Expats to Live in Italy
• Jobs for American Expats in Italy
• Guide to Living Abroad in Italy with Cost of Living Information

• Author
• Recent Posts

Serena Fung

Head of Content at Pacific Prime

Serena Fung is the Head of Content at Pacific Prime, a global insurance brokerage and employee specialist serving over 1.5 million clients in 15 offices across the world. With 6+ years of experience writing about the subject, she aims to demystify the world of insurance for readers with the latest updates, guides and articles on the blog.

Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).

Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.

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