International Group Insurance Products with Full Description:

Who helps you today to navigate international risk management and global benefits for expatriates, TCNs, foreign nationals and global travelers?

The 3 most important reasons to team with us for international group insurance needs are outlined below:

There is no cost to have McKinley International on "retainer" and we share advice with clients every day with no consulting fees.

If you employ expatriates and other international assignees, you never know what may cross your desk and you need a partner that can navigate ANY issue that may come your way.

Your current broker or consultant may lack international experience (99% do), and there is no conflict because we do NO U.S. domestic benefits.

For an in depth review of these international group insurance topics, please review each of the 4 white papers below:

The famous streets of Venice Italy. One of the distinct advantages of being an expatriate assigned to Italy.

The Vatican (inside Rome) is actually it's own country having absolutely independent autonomy from Italy. The only other situation that was similar in recent history was West Berlin before the wall fell, located deep behind the Iron Curtain. U.S. expatriates living in Italy should have their own expatriate medical insurance for Italy and not try to participate in the local system.

This section discusses expatriate medical insurance in Italy for U.S. expatriates in Italy and for companies that have hired third country nationals to work in Italy. Expatriate health insurance Italy. Expatriate health insurance Rome.

Expatriate Insurance in Italy for U.S. and Non-U.S. expatriates working in Italy, an overview.

McKinley International Risk Management is an international insurance broker that provides advice about insurance products to individual expatriates working in Italy and employer groups sending employees to work in Italy as expatriates. Please contact us if you need additional information.

What expatriates in Italy can Expect

Regarding healthcare in terms of quality, Italy ranks # 2 on the World Health Organization's list of top countries for quality health care services ( the U.S. only holds 37th place, despite being the highest spender). However, although medical facilities are considered to be adequate for any emergencies, many public hospitals are overcrowded and underfunded.

Italy has a national health plan ( servizio sanitario nazionale - SSN introduced in January of 1980), which provides hospital and medical benefits. U.S. and Canadian citizens who are legally resident in Italy can apply to join the SSN. Eligibility for the plan depends on certain things (e.g., your nationality, work permit).

If you are a resident of Italy and covered by the national health plan, hospital services will be provided to you and your dependents free of charge. Visitors, or persons not enrolled under such a plan, are expected to pay full hospital charges and then claim a reimbursement from their insurance provider. To call an ambulance for emergency, dial 118 (toll free) from any telephone in Italy. Help can also be sought through the police, by dialing 113, which is equivalent to 911 in the U.S. With a green cross outside the window, pharmacies ( farmacia) usually have the same opening hours as shops.

Private health insurance in Italy is not common, but is offered by some employers. It is not possible to opt-out of the SSN and insurance premiums are not personally tax deductible. Many Italians do pay for private health care themselves. It is estimated that about 37% of Italians use at least some private health services, but the public sector certainly dominates the private sector in terms if its relative importance.

Expatriate insurance in Italy suggestions

Expatriates working in Italy, although it may be available to them, do not want to rely on the SSN for healthcare in Italy for expatriates. An expatriate needs good coverage locally but also needs access to coverage in the home country and while they travel to other countries. International medical insurance for expatriates in Italy is recommended for this reason.

Expatriates in most major Italian cities will not need to concern themselves much with medical evacuation and repatriation (SOS life flight), as the "nearest appropriate facility" will be ground transportation in most cases and not international air ambulance by plane.

All employers should offer the expatriate voluntary suite to expatriates in Italy and the EU.

Offering employees a voluntary suite of insurance programs that can provide protection while they work, travel, or reside abroad costs nothing and can be done almost immediately.  Plan costs can be paid entirely by the individuals, paid by the employer, or reimbursed as a business expense. 

  1. Individual short term travel medical plan if the international health insurance program offered to expatriates is only able to perform in Italy or in the EU. Short term coverage may be needed for trips to the U.S. for example.
  2. Vacant homeowners insurance for those expatriates in Italy that have a house back in the home country or back in the United States that is unoccupied for over 90 days.
  3. International property insurance for expatriates needing to insure personal property moved into Italy like furniture, clothing, rings, and other personal effects. Although expatriates in Italy can probably find adequate property insurance it may lack needed liability (see below) so expatriates are encouraged to buy an international renters insurance program and not buy property insurance through the local marketplace.
  4. International liability insurance that follows the expatriate anywhere in the world and provides protection from lawsuit and damage awards where the expatriate was found negligent. These plans also come with paid defense costs.

Please check back for updated information on expatriate insurance in Italy.

Expatriate Insurance Italy Needs Chart (1 to 10 with 10 being a critical need) Looks at the need for expatriate insurance vs. what can be obtained in the local market or what many not even be needed for an expatriate assignment in Italy.

Expatriate Medical Insurance in Italy a necessity? 9
International Medical Evacuation in Italy (with assistance) 5
Expatriate Life Insurance in Italy 8
Expatriate Disability Insurance in Italy 8
Cross Cultural Training in Italy for U.S. expats 8
International EAP in Italy for U.S. expats in Italy 6
International Workers Compensation Insurance Italy 9
Expatriate Property Insurance in Italy 9
Expatriate Liability Insurance in Italy 9
Kidnap and Ransom Insurance Italy 3
Emergency Security Planning / Evacuation Plan 2
Local Admitted Coverage Needed for Expatriates residing in Italy No
Place Italy Nationals under an offshore or U.S. expat plan Never
Italy health insurance works for local nationals of Italy in the United States No
Repatriation of Remains Italy for Expatriates (insurance to return remains) 7

Non-EU insurers may not operate in Italy under the freedom of services regime and may only underwrite risks in Italy if they have an establishment authorised by the Italian Regulatory Authority - ISVAP (Section 28 of the Legislative Decree 7th September 2005 N. 209.). Unlike EU insurers operating under the freedom of establishment regime, such establishment must meet capital requirements and have assets located in Italy.