Community question
How much is health insurance for a permit in Italy?
Theme: Healthcare · from messages of 2022-2026
In short
For a D visa you need a policy for the whole visa period with cover from 30,000 euro, and since 2024 the questura asks for insurance with the kit too. Travel policies for 700-4,500 roubles lose validity after 90 days in the country; for the first year people buy an annual private policy (about 500 euro a year was quoted in the chats) or pay to join the SSN.
What the chats answered
For the visa the consulate wants cover of at least 30,000 euro for the whole visa period; insurance agents in the chats say that a policy has recently become mandatory for the questura filing too. Universities ask for a policy bought right before the questura appointment, together with the enrolment and housing papers.
Cheap travel policies work for the application (a member got her visa with a one-year "tourist" policy), but the small print voids them after 90 days in the country - replace it with a non-tourist annual policy after arrival. One member paid about 500 euro a year for the policy demanded for his residenza.
The alternative to a private policy is voluntary enrolment in the SSN; after the mandatory contribution went up, many moved to private insurers. Inside the SSN a visit costs a 15-30 euro ticket, emergency care at the pronto soccorso cost members nothing, and a blood test at a private clinic 37 euro.
Insurance does not replace income: for the permit they are two separate documents, and a policy cannot cover a missing income. Foreign policies bought at home end up in the Italian tax return as foreign assets - a member reminded people from his own experience.
Built from 292 similar questions and 541 answers across 3 chats; retold and anonymised, disagreements kept as a spread of opinions.
Where people go wrong
- Living the whole first year on a travel policy that stopped working after 90 days.
- Buying the policy long before the questura: universities and the questura look at validity from the date of the visit.
Where to verify
The current procedure is set by your comune or the office running the service; the answers above are community experience from different years. Short curated answers on the theme - FAQ: Healthcare.
Related questions
This retells what chat members wrote; it is not official information and not legal advice.
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