In Italy, health insurance is primarily managed through the national healthcare system, providing universal coverage to residents. However, several private insurance companies offer supplemental health insurance policies to enhance public healthcare services. Notable among these are
Determining the "best" health insurance companies in Italy depends on your specific needs, such as whether you're a resident, an expat, or seeking private coverage to supplement Italy's public healthcare system (Servizio Sanitario Nazionale, or SSN). Italy has a robust public healthcare system, but many people, including expats and those wanting faster access to private facilities, opt for private health insurance. Below is a rundown of some of the top health insurance companies in Italy based on market presence, reputation, and suitability for different groups, as of March 14, 2025.
Top Italian Health Insurance Companies
Generali Italia
Part of the Generali Group, one of Italy’s largest and most established insurance providers, Generali Italia offers comprehensive health insurance plans. In 2023, it was among the top three health insurance companies in Italy by gross written premiums, alongside Unisalute and Intesa Sanpaolo RBM Salute, with over 500 million euros in health insurance revenue.
Residents and expats looking for a trusted local provider with a wide range of coverage options, including hospitalization, specialist care, and preventative services.
Generali is deeply rooted in Italy but also has a global presence, making it a reliable choice for those who might travel or relocate.
Unisalute
Unisalute is a leader in Italy’s health insurance market, capturing the largest share of health insurance premiums in 2023 (18.2%, or over 762 million euros). It specializes in sickness insurance, covering medical expenses, hospitalizations, and disabilities resulting from illness.
Individuals or families seeking extensive coverage tailored to Italy’s healthcare system, with a focus on quick access to private care.
Its strong market position and growth (37.1% increase in premiums from 2022 to 2023) reflect its popularity and reliability.
Intesa Sanpaolo RBM Salute
Another major player, it ranks among the top three in Italy for health insurance premiums, with a significant market share (over 12% in 2023). It offers flexible plans that cater to both individuals and corporate clients.
Employees or businesses looking for group health plans, as well as individuals wanting customizable options.
Backed by the Intesa Sanpaolo banking group, it combines financial stability with health insurance expertise.
UnipolSai Assicurazioni
UnipolSai is one of Italy’s largest insurance groups overall and offers highly rated health plans, such as UnipolSai Salute 360°, which scored 4.4/5 in Forbes Advisor’s 2024 ranking of private health insurances in Italy, tying with Reale Mutua.
Those seeking a balance of affordability and comprehensive coverage, with options for preventative care and wellness programs.
It’s a competitive choice in a crowded market, known for customer-focused solutions.
Reale Mutua
Its Realmente In Salute plan also earned a 4.4/5 from Forbes Advisor in 2024, praised for its value and coverage. Reale Mutua is a mutual insurance company with a long history in Italy.
Individuals or families who prefer a mutual model and want strong private health options to complement the SSN.
Assicurazioni Generali
Established in 1831 and headquartered in Trieste, Generali is Italy's largest insurance company. It offers a range of insurance products, including health insurance, and operates in over 50 countries.
Poste Italiane
With a vast network of about 12,800 post offices and 45 million customers, Poste Italiane provides various services, including insurance through its subsidiaries. Poste Vita offers life insurance, while Poste Assicura, established in 2010, provides non-life insurance products, such as health and accident coverage.
Banca Sella Group
Founded in 1886, this private credit institution offers a range of financial services, including insurance products like health and accident coverage, through its subsidiary CBA Vita.
Banca Mediolanum
As a conglomerate providing banking, insurance, and asset management services, Banca Mediolanum offers various insurance products, including health insurance, through its subsidiaries Mediolanum Vita and Mediolanum Assicurazioni.
Additionally, the Istituto Nazionale per l'Assicurazione contro gli Infortuni sul Lavoro (INAIL) is a public entity responsible for mandatory insurance against workplace injuries and occupational diseases in Italy. While not a private company, INAIL plays a crucial role in providing health-related coverage for workers.
Its high rating suggests it’s a top pick for quality and customer satisfaction.
Key Considerations
Public vs. Private: The SSN provides free or low-cost healthcare to residents, but private insurance offers faster access to specialists and private facilities. About 10% of Italians supplement SSN with private plans.
For Expats: Non-EU expats need private insurance for visa purposes until they gain residency and SSN access. International providers like Cigna or Allianz are ideal for this.
Cost: Premiums vary widely based on coverage, deductibles, and location. Local plans might start lower, while international plans offer broader scope at a higher cost.
Reputation: Companies like Generali and Unisalute dominate locally, while Cigna and Allianz are trusted globally.
Recommendation
For residents: Unisalute or Generali Italia are excellent for their market leadership and integration with Italy’s healthcare system.
For expats: Cigna Global or Allianz Care provide the flexibility and global coverage needed for a mobile lifestyle.
Criteria for Selecting Health Insurance Providers
When choosing a health insurance provider in Italy, consider the following factors:
Coverage Needs: Assess whether you require comprehensive coverage that includes inpatient, outpatient, dental, and maternity services, or if a more basic plan suffices.​
Network of Providers: Ensure the insurer has a broad network of healthcare providers, including hospitals and specialists, in your area.​
International Coverage: For expatriates or frequent travelers, international coverage is crucial to ensure access to healthcare services abroad.​
Customer Support: Opt for insurers that offer 24/7 customer support and services in your preferred language.​
Cost: Compare premiums, deductibles, and out-of-pocket costs to find a plan that fits your budget while providing necessary coverage.
CONCLUSION
Italy's healthcare system is robust, but private health insurance offers additional benefits such as reduced waiting times, access to private facilities, and broader service coverage. The providers listed above are among the best in Italy, offering a range of plans to suit various needs and preferences.
These companies and institutions offer various health insurance options, complementing the services provided by Italy's national healthcare system.
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