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Minerva Medicolegale 2006 March;126(1):45-54

language: Italian

Long-term care: difficult insurance policies

Massimelli M., Vitetta G., Iorio M.

Scuola di Specializzazione in Medicina Legale Università degli Studi di Torino, Torino


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This paper has tried to examine the problem of the assistance to the non self-sufficient subjects facing different problem list: from the definition of not self-sufficiency to the methods used for appraising and to measure the state of dependence, from the proposals of insurance private products to the examples of Italian products introduced in these years. We have underlined besides as the private policies long expensive term has not found wide diffusion in the market Italian insurance because of the too elevated prizes, of the limited coverages and of the modest existing Social Security culture in Italy even if the constant increase of the number of the elderly ones not self-sufficient it makes essential to retrieve alternative funds to the system sanitary public. The demonstration than the guardianship of the non self-sufficient subjects represents today already but still in expectancy a problem to be faced and to resolve is furnished by the same Government that has looked for, with the approval of the DM of 22 December 2000, to stimulate stipulation of such insurance private contracts through fiscal facilitations.

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