Private health insurance in Italy
Private health insurance in Italy, explained in English
DayByDay is a Reale Mutua health policy for people living in Italy. In a network clinic it pays 90% of specialist visits and diagnostic tests directly, so you skip public waiting lists without paying up front. It adds a fixed cash amount for each night in hospital and, with the assistance package, up to 30 specialist video consultations a year.
From €32.85 a year age 25, Standard hospital cash only, taxes included
English-speaking advice included
Every policy comes with advice in English at no extra cost: before you buy, when you read the Italian documents and when you make a claim. Call +39 0141441493, write to info@assicurazionecastellodiannone.it or book a call or visit.
What RealmenteInSalute DayByDay covers
Specialist visits and diagnostics
In a network (convenzionata) facility the insurer pays 90% directly to the clinic: MRI, CT, ultrasound, specialist visits. Outside the network you pay and claim back 70%, within the per-item limits of the Reimbursement Guide. Annual limit €3,000 per person. Available only together with hospital cash.
Source: DayByDay Insurance Conditions, art. 10.1
Public health service tickets
If you have the visit or test in a facility accredited with the Italian National Health Service, the policy refunds the whole ticket (the patient's share).
Source: DayByDay Insurance Conditions, art. 10.1
Hospital cash
€50 (Standard) or €100 (Premium) for each night in hospital after an accident or illness, up to 180 nights a year, doubled from the first day for stays of 15 consecutive nights or more. It is a fixed sum: no receipts needed.
Source: DayByDay Insurance Conditions, art. 7.1
Specialist video consultations
With the assistance package: up to 30 video consultations a year per policy across 15 specialities, with no waiting period, also for conditions you already have. A first opinion, not a diagnosis or prescription.
Source: DayByDay Insurance Conditions, art. 10.2
24/7 medical advice and doctor at home
Medical advice by phone 24 hours a day, also for your family. With the assistance package: a doctor or paediatrician sent to your home out of hours (nights, the afternoon before public holidays, public holidays) when the operations centre considers it necessary, and prescribed medicines delivered if you have to stay in bed.
Source: DayByDay Insurance Conditions, art. 10.3.1 and 13.1
Discounted rates every day
Reduced rates for visits, dentists and physiotherapists in the Blue Assistance network, and at partner opticians and gyms, usable from the start date of the policy. You pay the agreed price.
Source: DayByDay Insurance Conditions, art. 10.3.2
What it costs
There is no single price: the premium depends on the age of each insured person and on the cover you choose. Four profiles calculated on the insurer's tariff:
Single, 25
€218.30 a year
Ages 25. Standard hospital cash plus medical expenses. Monthly payment not available below the tariff minimum.
Adult, 35
€283.76 a year
Ages 35. Standard hospital cash plus medical expenses. Monthly payment not available below the tariff minimum.
Over 65
€659.33 a year
Ages 65. Standard hospital cash plus medical expenses. Or 12 monthly payments of €54.94.
Family with two children
€710.41 a year
Ages 40, 38, 10, 6. Standard hospital cash plus medical expenses. Or 12 monthly payments of €59.20.
Annual tariff premiums including taxes, calculated by the same engine as the online quote. Your price depends on your details and options, and discounts apply when you insure more people.
Before you sign: limits and exclusions
Waiting periods
Accidents are covered from day one, illnesses after 30 days, pregnancy-related illnesses after 300 days. Video consultations and services have no waiting period.
Source: DayByDay Insurance Conditions, art. 8.2 and 11.2
Pre-existing conditions
Illnesses diagnosed or treated, and accidents that happened, before you sign are excluded from reimbursement and hospital cash. You can still use the video consultations for them.
Source: DayByDay Insurance Conditions, art. 8.1 D and 11.1 D
Age limits
You can take out the policy up to age 70 and stay insured up to 75. The premium is adjusted each year to the age of each insured person.
Source: DayByDay Insurance Conditions, art. 4 and 8.1
Dental care and eye surgery
Dental treatment and prostheses, and surgery for short-sightedness and astigmatism, are excluded. Discounted rates at network dentists and opticians remain.
Source: DayByDay Insurance Conditions, exclusions
Childbirth
Hospital stays for childbirth and the postnatal period are excluded from hospital cash.
Source: DayByDay Insurance Conditions, art. 7.1 and 8.1 F
If you have recently moved to Italy
It complements the Italian health service
Once you are resident you can register with the National Health Service (SSN). DayByDay does not replace it: it shortens the wait for visits and tests and pays for the private route.
Not a visa or residence-permit policy
Consulates and police headquarters (Questura) set their own requirements for the health insurance attached to a visa or residence permit. This policy is not designed for that purpose: ask us before relying on it.
What you need to apply
An Italian tax code (codice fiscale), an address in Italy, an ID document and the health questionnaire. We help you fill it in, in English.
How it works
Get your quote online, in English
The price is calculated on the insurer's tariff from the details you enter. The quote is free and does not commit you to buy.
Go through it with an English-speaking adviser
Before you sign we send you the pre-contract documents (DIP and additional DIP) and the Insurance Conditions. They are in Italian, the version that is legally binding: we walk you through them in English, at no extra cost.
Sign and stay covered
You sign online or at one of our offices. When you need to make a claim, you deal with us in English and we handle the paperwork with the insurer.
Frequently asked questions
Do I need private health insurance if I live in Italy?
Residents can register with the Italian National Health Service, which covers essential care. Many people add a private policy to avoid long waiting lists for specialist visits and tests and to have a cash amount if they are admitted to hospital.
How does direct payment work?
If you use a network (convenzionata) facility the insurer pays 90% directly to the clinic and you only pay the rest. Outside the network you pay and claim 70% back, within the limits of the Reimbursement Guide.
Can I use this policy for my visa or residence permit?
It is not designed for that. Visa and residence-permit health insurance requirements are set by the consulate or the Questura and change from case to case. Contact us and we will tell you honestly whether a policy fits before you buy.
Are my existing conditions covered?
No: illnesses diagnosed before you sign are excluded from reimbursement and hospital cash. The specialist video consultations can be used for them.
Are the policy documents in English?
The legally binding documents are in Italian. Your adviser goes through them with you in English before you sign and helps you in English when you make a claim.
Is the premium tax-deductible in Italy?
The premium of a medical-expenses policy is not deductible, so the medical expenses themselves stay deductible at 19% above the €129.11 threshold, including the part the policy refunds. Check your own case with a tax professional.
Ready to see your price?
Free online quote, explained in English by a registered Italian insurance intermediary.
RealmenteInSalute DayByDay is underwritten by Società Reale Mutua di Assicurazioni and distributed by Assicurazione Castello di Annone di Rabacchin Matteo, insurance intermediary registered in the Italian Single Register of Insurance Intermediaries (RUI), section E, no. E000517439, supervised by IVASS. This page is a summary in English: the Insurance Conditions (in Italian, PDF) and the pre-contract documents you receive before signing are the legally binding texts. For contracts concluded at a distance you can withdraw within 14 days. Online quotes may not be available in your region. Complaints and regulatory information: reclami (in Italian).