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Best Health Insurance in Italy

8 insurers ranked and reviewed · Updated May 2026

Sources:Forbes Advisor ItaliaAltroconsumoIl Sole 24 Ore

Healthcare System Overview

Italy has a universal public healthcare system (Servizio Sanitario Nazionale, SSN) funded by taxation, providing free or low-cost care to all residents. Private health insurance is supplementary, held by approximately 15% of the population, primarily through employer-provided welfare funds (fondi sanitari) and direct individual policies. Health insurance density is relatively low at ~EUR 52 per capita, but the market is growing rapidly. Total health insurance gross written premiums reached approximately EUR 4 billion in 2023.

#1

UniSalute (Unipol Group)

UniSalute

private5.3M members
89Score
Forbes Advisor: 4.4/5 (Joint Top)(2024)Il Sole 24 Ore: Market Leader(2024)
★★★★☆4.0satisfaction

Market Share

18.2%

Gross Written Premiums

EUR 762M+

Premium Growth

+37.1% YoY

  • Market leader with 18.2% share and 5.3M managed customers
  • Specializes exclusively in health insurance
  • 37.1% premium revenue growth year-over-year
  • UnipolSai Salute 360 rated 4.4/5 by Forbes Advisor
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#2

Reale Mutua

private1.0M members
88Score
Forbes Advisor: Joint #1 (4.4/5)(2024)
★★★★☆4.0satisfaction

Group Revenue

~EUR 783M

Top Product

RealmenteInSalute DayByDay

Structure

Mutual

  • Forbes Advisor Italia joint #1 with 4.4/5 score
  • Nearly 200-year track record (founded 1828)
  • Specialist health product 'RealmenteInSalute DayByDay'
  • Covers specialist visits, diagnostics, physiotherapy
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#3

Intesa Sanpaolo Protezione

private2.0M members
82Score
Il Sole 24 Ore: Top 3 by Premiums(2024)
★★★☆☆3.5satisfactionFinancial strength: BBB+ (S&P, Intesa Sanpaolo Group)

Parent Group

Intesa Sanpaolo (Italy's largest bank)

Distribution

~4,000 bank branches

Gross Written Premiums

EUR 500M+

  • Backed by Intesa Sanpaolo — Italy's largest bank
  • Distributed through ~4,000 bank branches nationwide
  • Top 3 health insurer by gross written premiums
  • Recently restructured (Dec 2024): RBM Salute merged
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#4

Generali Italia / Welion

Generali Italia

private2.0M members
80Score
Forbes Advisor: Top Ranked(2024)
★★★☆☆3.8satisfactionFinancial strength: A (S&P, Generali Group)

Parent Group

Generali Group (Italy's largest)

Health Division

Welion

Coverage Scope

Hospitalization, surgery, diagnostics, specialist visits

  • Backed by Italy's largest insurance group (Generali)
  • Welion dedicated health and welfare division
  • Comprehensive plans: hospitalization, surgery, diagnostics, specialists
  • Strong employer benefits and corporate wellness programs
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#5

Allianz Italy

Allianz Italia

private1.5M members
76Score
Forbes Advisor: International Coverage(2024)
★★★☆☆3.8satisfactionFinancial strength: AA (S&P, Allianz Group)

Parent Group

Allianz Group (global)

International Coverage

Allianz Care

Corporate Health

Strong

  • Part of Allianz Group — global insurance leader
  • Allianz Care for English-language international health insurance
  • Strong cross-border coverage for internationally mobile individuals
  • Integration with global Allianz network
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#6

Cattolica Assicurazioni

private800K members
70Score
Il Sole 24 Ore: Strong Revenue(2024)
★★★☆☆3.5satisfactionFinancial strength: A (S&P, via Generali Group)

Parent Group

Generali Group (acquired)

Total Revenue

~EUR 1.6B

Strong Region

Northeastern Italy

  • Now part of Generali Group (acquired)
  • Values-driven, family-oriented brand
  • Strong in northeastern Italy
  • Integration with Catholic cooperative networks
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#7

Vittoria Assicurazioni

private700K members
65Score
Il Sole 24 Ore: Established Player(2024)
★★★☆☆3.3satisfaction

Total Revenue

~EUR 1.5B

Structure

Independent, publicly listed (Milan)

Distribution

Agent-based

  • Independent Italian insurer with 100+ year history
  • Listed on Milan Stock Exchange for transparency
  • Agent-based distribution model
  • Growing health insurance segment
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#8

Poste Assicura

private1.0M members
65Score
Il Sole 24 Ore: Widest Distribution(2024)
★★★☆☆3.2satisfaction

Parent Group

Poste Italiane

Distribution

~12,800 post office branches

Product Type

Simple, affordable entry-level

  • Distributed through ~12,800 post office branches
  • Accessible to populations underserved by traditional insurers
  • Trusted Poste Italiane household brand
  • Simple, affordable health insurance products
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About Health Insurance in Italy

Italy has a universal public healthcare system (Servizio Sanitario Nazionale, SSN) funded by taxation, providing free or low-cost care to all residents. Private health insurance is supplementary, held by approximately 15% of the population, primarily through employer-provided welfare funds (fondi sanitari) and direct individual policies. Health insurance density is relatively low at ~EUR 52 per capita, but the market is growing rapidly. Total health insurance gross written premiums reached approximately EUR 4 billion in 2023.

Our editorial team has evaluated and ranked the top 8 health insurers in Italy based on editorial ratings from trusted sources, customer satisfaction, financial strength, and coverage quality. Rankings are updated regularly to reflect the latest market changes.

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