Feather vs Cigna: A comparison

Yes, in most cases.

Italy requires private health insurance for many visa types, including Type D long-stay visas, Elective Residence Visas (ERV), Student visas, and Family reunification.

The insurance must be valid in Italy and cover medical expenses for the duration of your stay.

Our insurance:

• Offers unlimited medical coverage for new conditions (well above the €30,000 minimum)
• Covers at hospitalization, consultations, prescriptions, medical repatriation
• Is valid throughout the Schengen Area
• Includes repatriation of mortal remains
• Provides a certificate in English and Italian with start and end dates—suitable for visa applications and prefecture appointments

Yes.

Health insurance is required when applying for the permesso di soggiorno, especially if you are not employed in Italy, or not yet registered with the Italian public healthcare system (SSN).

Yes, if any of the following apply to you:

• You’ve recently moved to Italy and need your first health insurance plan
• You’re not employed yet or are self-employed
• You need quick and affordable coverage to apply for a visa or residence permit
• You’re renewing your visa and want coverage while waiting for your residenza
• You prefer to sign up entirely in English

Yes.

This policy can be used for Italian visa applications and residence permit applications after arrival (permesso di soggiorno).

You receive immediate proof of coverage suitable for both stages.

Immediately. Your policy documents will be waiting for you in your Feather account after you finish signing up. You can use these documents as proof of health insurance for your visa or residence permit application.

Our insurance does not cover pre-existing conditions.

This means any illness, symptoms, or treatments that existed before your policy start date will not be reimbursed—you would need to pay for those costs out of pocket.

However, this has no impact on your visa eligibility. The insurance is still fully accepted for visa and residence permit applications.

Yes.

Freelancers, self-employed expats, and digital nomads often need private health insurance because they do not have employer-provided coverage, and may not immediately qualify for SSN registration.

This policy provides compliant coverage during that period.

SSN registration timelines vary.

In practice, it can take several weeks or months, depending on your municipality and visa type.

During this transition period, private health insurance like our expat health policy is commonly used.

Yes! Our plan is fully flexible.

You can cancel in one click directly from your Feather account.

There are no long-term commitments or cancellation fees.

If your visa is denied, this will happen before your planned arrival in Italy, and therefore before your policy start date.

You can simply cancel the policy in one click from your Feather account, and you’ll be fully refunded automatically.

Refunds usually arrive within 3 working days, depending on your bank.

You can access the full policy statement here.

When you have purchased the policy, you can also access the full policy statement in your Feather account.