Health insurance or medical insurance in Italy is a form of optional insurance offered by most companies assicurative. Basic principle of health insurance policies is that, under the terms chosen and the premium paid therefore, can guarantee stakeholders and possible family coverage for all types of disease and performance.
For more coverage is to pay a higher premium. It ‘worth remembering, however, that there are exclusions that relate to certain types of patients and different diseases that can not be sure. Usually these are patients with psychiatric problems, problems with drugs or AIDS, or patients who want to undergo cosmetic procedures (with appropriate exceptions).
With medical bills can then make sure to cover any costs arising from health problems and the person in general, addressing more serenely the costs of hospitalization, analysis specialist, health care and home health, etc..
It all depends on the type of medical insurance that you intend to enter into, the terms that you decide to sign and that will pay the premium.
In Italy, since 1978 is in force the National Health Service which guarantees all citizens access to diagnosis and treatment in public facilities or contracts. The system keeps a share of the taxes that citizens pay to the State, with additional participation by the sick, that ticket.
Unfortunately, the system can not support the weight of the entire Italian health care and some private companies offer this integration to citizens, sometimes alternative, the National Health Service. With a regular premium to be paid to the company, this fact shall bear the burden to repay some or all of the costs incurred for medical expenses and private medical services.
The health insurance policies differ broadly in policies and indemnity insurance policies to a refund.
Health insurance provides a daily indemnity in case of treatment in health facilities.
The health insurance reimbursement guarantees just the reimbursement of expenses incurred for treatment, diagnosis and hospitalization. In cases where the health facility where you do the treatment has a convention with the assurance, that the patient pays the fees, otherwise the patient will anticipate the payment of fees and bills and will be reimbursed successively, following the submission of documentation of expenses incurred.
It ‘important to know that the health insurance contract not part of the day on which it is signed. There exists an initial period where coverage is suspended. Would not it make sense for a company already provide a certain event, for example the case of medical services for childbirth to a woman already pregnant at the time of conclusion of the policy or the case of daily per diem allowances for illness for a person already suffering from same disease.
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