In the first three quarters of 2025, premium collection in the health sector, with an increase of 12.7% year on year in the health sector and 3.1% for the accident sector. This was reported by the Statistical bulletin “Insurance activity in the health sector” released today byIvass (Institute for Insurance Supervision) and containing a detailed report on 2024 data.
The bulletin reports a concentration in the market: the top 5 companies collect 68% of premiums in the health sector and over 61% in the accident sector. And it highlights how the health expenditure mediated by health funds and insurance companies is marginal and equal to 3.4%.
The insurance activity of supervised companies in the health, accident and sickness sectors
Table of Contents
The premiums collected in 2024 by insurance companies in the health sector amounted to 8 billion euros: 3.6 billion for the accident branch and 4.4 billion for the illness sector. And they rose by 7.8% compared to 2023.
The accident class grew by 2.9% and the health class by 12.1%.
In the first three quarters of 2025 the trend in premium collection continued, with a greater increase for the health class (+12.7% compared to the third quarter of 2024) compared to the accident class (+3.1%).
The market is concentrated: the top five companies collect 68% of premiums in the health sector and over 61% in the accident sector.
Focus disease branch
I am Group policies are very widespread: more than one Italian in five is covered by this type of policy, with a prevalence of those stipulated by health funds.
The average premium per risk unit, net of tax charges, is 203.8 euros (+6.7% compared to 2023).
Il loss e il combined ratio they grow slightly and stand at 70.9% and 94.3%. The result of the technical account net of reinsurance remains positive (203 million euros), thanks to the technical balance of direct business and the profit from investments.
Focus on accident branch
The average premium is 62.7 euros (61.4 euros in 2023). The loss e il combined ratio they decreased slightly to 40.8% and 76.7%. The result of the technical account net of reinsurance is positive (782 million euros), supported by the technical balance and the profit from investments.
Health spending in 2024
According to the Statistical bulletin “Insurance activity in the health sector” dell’Ivassin 2024 the overall health expenditure in Italy it stood at 185.1 billion euros, a figure equal to 8.5% of GDP.
The main share of health spending (74.3% of the total, equal to 6.3% of GDP) was supported by the public sector; 22.3% (1.9% of GDP) is spending out of pocketMeaning what paid directly to citizens. Healthcare spending is marginal (3.4%). mediated by health funds and insurance companies.
