Visa-ready plans from $721 per adult, billed annually · see your exact price by age.
The rule in writing
“The elective residence visa is widely handled to the €30,000 Schengen insurance standard — hospitalisation and repatriation cover for the full visa year — though published consulate checklists vary: some ask for cover of 100% of medical expenses, and requirements differ by consulate.”
Based on: Official esteri.it consulate checklists (Chicago, Boston et al., which vary) & widely-applied Schengen standard — Last verified:
Will your certificate pass?
What a consulate officer actually looks for on the page.
Passes when it shows
- Private health cover — not travel or Schengen
- Valid in Italy and the Schengen area (widely-applied €30,000 standard)
- Covers your full visa period (up to a year)
- No disqualifying deductible on the core cover
Refused when it’s
- A travel or Schengen “trip” policy
- A deductible / excess on core cover
- Cover that ends before your visa does
The honest from-price answer
Regency prices by rate region, and all eight destinations we cover, Italy included, sit in the same EU region, so the from $392/year entry price at age 18 for Essential cover is a real Italy number. From describes the youngest age band on the leanest plan tier, Essential. It is not what most movers pay. Comprehensive, the tier we recommend for an elective residence visa, starts from $1,525/year at age 18 and rises with age, as shown below. See your exact household number at the pricing calculator, or request a quote directly.
Real examples for ages 40, 55, and 65
Age changes the number more than anything else. Here is what each tier actually costs at three common relocation ages, based on Regency's 2026 EU-region rate card. Monthly figures are the insurer's real monthly-billing installments, not annual divided by 12.
| Plan | Age 40 | Age 55 | Age 65 |
|---|---|---|---|
| Essential | $589/yr ($57/mo) | $926/yr ($90/mo) | $1,731/yr ($167/mo) |
| Major Medical | $1,081/yr ($104/mo) | $1,701/yr ($164/mo) | $3,180/yr ($307/mo) |
| Standard | $1,804/yr ($174/mo) | $3,199/yr ($309/mo) | $5,367/yr ($519/mo) |
| Comprehensive | $2,475/yr ($239/mo) | $4,334/yr ($419/mo) | $6,917/yr ($669/mo) |
| Fully Comprehensive | $3,094/yr ($299/mo) | $5,418/yr ($524/mo) | $8,646/yr ($836/mo) |
Essential is available to age 80; every other tier is available to age 70. Compare tiers side by side on the comparison page.
Family pricing for children on an elective residence visa
The elective residence visa is a family and retirement visa, and Regency prices children 0 to 17 as a flat rate per child, regardless of exact age within that range. That makes budgeting for a household straightforward once you know the plan tier.
| Plan | Child (0-17), per year |
|---|---|
| Essential | $308 |
| Major Medical | $566 |
| Standard | $853 |
| Comprehensive | $1,151 |
| Fully Comprehensive | $1,439 |
Add each parent's age-banded rate to each child's flat rate to build the full household total. The calculator applies these household rules automatically once you enter every family member's age. For the visa and retirement route in more depth, see our elective residence visa insurance guide and our retirement visa insurance guide.
Annual vs monthly billing and what the visa stage checks
Annual billing is the cheapest way to pay for Italy cover. The monthly figures shown above are the insurer's real monthly-billing installments, with loading included, not the annual price divided by twelve. There is no medical exam at any tier, and cover can start the same day you apply.
For the elective residence visa, insurance is widely handled to the €30,000 Schengen standard, covering hospitalisation and repatriation for the full year, though published consulate checklists vary, and consulates commonly expect zero deductible in year one. Keep your certificate on hand for the permesso di soggiorno stage at the questura after you arrive.
Private cover carries you through the visa stage and the bridge months before any voluntary SSN registration is worth considering. For that comparison, read our SSN versus private insurance guide. If you want to avoid common paperwork mistakes, see why Italy visa insurance applications get rejected, or check your household's exact requirements on our checklist. Ready to see your number? Get a quote or run the calculator.
Honest limits: Cover is worldwide but excludes treatment in the United States. Pre-existing conditions are excluded, including conditions you did not know about. We disclose this before you request a quote. Consulates keep discretion, and requirements can change. We show the published rule and its source; the final decision is the consulate’s.