🇮🇹 Europe
Health insurance for Americans living in Italy
Italy's elective residency visa appeals to Americans with retirement income who want to settle in Tuscany, the lakes, or the south. Living there long term changes the coverage math.
What expats in Italy should plan for
- The elective residency visa expects proof of comprehensive private health coverage.
- Registering with the national health service is possible for residents, sometimes through a yearly contribution.
- Many expats keep private coverage for speed and for English-speaking care.
- Smaller towns can mean traveling to a regional hospital for anything serious.
The health system in Italy
Italy's national system is broad once you are enrolled, but new residents and visa applicants need private coverage in hand. A long-term plan covers that and pays providers directly.
Just visiting Italy on a trip? See short-term travel medical coverage for Italy.
Recommended for living abroad
Long-Term
Real health insurance for living abroad.
Expats, remote workers, and retirees living outside the US for six months or longer.
- Comprehensive health coverage, not just emergency travel care
- Renewable year after year while you live abroad
- Access to a vetted international provider network
- Direct pay at in-network providers, so you are not fronting the cost
Build a life in Italy. Keep health coverage that follows you there.
Get your quoteThe difference that matters
Your doctor gets paid directly. You do not front the bill.
BCBS Global Solutions has a direct-pay provider network in 190 countries. At an in-network hospital or clinic, the plan settles the bill directly. You are not handing over a credit card for a large medical charge and waiting months for a refund.
That is the gap most travel insurance leaves open. Plans like World Nomads, SafetyWing, and Allianz usually work on reimbursement. You pay upfront, file a claim, and hope it comes back. For a real emergency abroad, that difference is the whole point.
BCBS Global, in network
$0 out of pocket
Plan pays the provider directly at the point of care.
Typical reimbursement plan
Pay first, claim later
You cover the bill, then wait weeks or months for a refund.
Living somewhere else?
See all expat and nomad coverage →Not sure which plan fits?
Book a free 15-minute Insurance Sanity Check. It is a second opinion on the coverage you have or the trip you are planning, not a sales pitch. Most people do not realize what their credit card or current policy leaves out.
Free guide
Which BCBS Global plan fits you?
Get the plain-English plan picker. It walks you through Single-Trip, Multi-Trip, Long-Term, and student coverage in two minutes, so you buy the right plan the first time.
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