Health insurance

Student coverage path in Italy

EU students generally rely on the TEAM (European Health Insurance Card) for temporary coverage. Non-EU students can enrol in the SSN by paying the annual contribution.

Young professional and student-worker path

With a regular employment contract, healthcare is normally covered through payslip contributions and registration with the local ASL.

Key risk and common mistake

Failure to enrol in the SSN or complete ASL steps can block assignment of a family doctor and force fully private costs.

Detailed health insurance setup

What to keep in your compliance folder

• Enrolment certificate and visa/permit documents
• Insurance policy PDF and payment receipts
• Registration confirmations from public portals or authorities
• GP assignment or local health card confirmation

Official links

How GP assignment works in Italy

Assignment is administrative and capacity-based; many doctors cannot accept new patients when quotas are full.

Required documents

• Tessera Sanitaria
• Codice Fiscale
• ID and authorisation documents, where applicable

Registration steps

Common trap

Without a GP assignment, routine visits and prescription workflows become fragmented and slower.

Official references

Students away from home

SSN and TEAM (Tessera Europea di Assicurazione Malattia)

After SSN enrolment you receive the Tessera Sanitaria. TEAM allows necessary care in EU/EEA at the host country’s conditions; request via MyINPS or ASL, indicative validity up to 6 years (verify INPS instructions).

You can choose your GP in the municipality where you study by declaring domicilio sanitario, even if your anagrafe residence is elsewhere.

Co-payments (ticket): common exemptions

Always verify with ASL and region; indicative list:

• Income exemption — criteria such as €36,151.98 household (“730 exemption” rules)
• Unemployment and dependants as provided by law
• Chronic/rare diseases recognised, pregnancy, paediatric age or over 65 with income limits

Fascicolo Sanitario Elettronico (FSE)

Digital clinical record (FSE 2.0); access with SPID/CIE.

Out-of-hours GP and emergency department

Guardia medica (continuity of care): night/holiday slots when your GP is unavailable. Pronto Soccorso (A&E): colour triage; white code may involve co-payment (indicative ~€25, varies).

Emergencies: 118 (medical), 112 (EU single number).

Mental health

Public pathways via CSM and clinics; access via GP or direct depending on region. Bonus psicologo (indicative 2024 amounts, verify calls): ISEE < €15,000 up to €1,500; €15,000–30,000 up to €1,000; €30,000–50,000 up to €500.