Insurance for specialists and trainees
Health area
For students enrolled in healthcare specialization courses reserved for doctors, in relation to the performance of activities in the medical-healthcare/clinical-assistance field, the insurance burden - accident risk and third-party liability - falls on the hospital healthcare companies, pursuant to and within the limits established by the D.Lgs no. 368/1999 (italian version) and subsequent amendments.
In the case of injury, during their healthcare activity medical trainees must follow the instructions on the page Useful information for doctors in specialist training (italian version), Absences section - What to do in the case of injury.
With regard to accidents and damages occurring during teaching activities (exams, lessons, and the like), insurance policies covering accident risk (for damages suffered) and third-party liability (for damages caused to other people or property) are activated by the University (see Health Area - reserved for non-physicians).
For information contact:
the Specialization Schools Section (Teaching and Services Area for Students, Turin Medical Centre)
Supervisor: Dr. Simona Mazzone - Tel. +39 011 6708481
[email protected]
Healthcare Area reserved for Non-Physicians and Veterinary Area
(including, but not limited to: Orthodontics, Paediatric Dentistry, Oral Surgery, Health Statistics and Biometry (NM), Medical Genetics (NM), Clinical Pathology (NM), Microbiology and Virology (NM), etc.)
Students enrolled in health specialization courses reserved for non-physicians, with respect to the performance of activities in the medical-health/clinical-assistance field, and students enrolled in veterinary specialization courses reserved for veterinarians, with respect to the performance of activities in the medical-health/clinical-assistance field, are covered by the accident insurance policy (for damages suffered) and by the civil liability insurance policy (for damages caused to other people or things).
For the purposes of the effectiveness of the guarantees provided by the aforementioned policies, exclusive reference is made to the regulatory content of the contracts deposited with the University of Turin.
Accident insurance policy
- Insurer: ZURICH INSURANCE PLC – General Representative for Italy
- Policy No. Z086387
- Effective Date: 12:00 a.m. on December 31st, 2022
- Expiry Date: 12:00 a.m. on December 31st, 2027
The insurance policy was activated by the University to supplement the legal coverage with INAIL - T.U. no. 1124 of 30th June 1965 (italian version) and subsequent amendments (see paragraph "How to report an accident").
The above-mentioned individuals are covered by the accident insurance policy (for damages suffered) and the third-party liability insurance policy (for damages caused to other people or property).
The insurance is intended to cover injuries that the insured parties have sustained while performing duties, tasks, activities, and responsibilities, whether institutionally mandated, permitted, or delegated, including collateral ones, with no exceptions or exclusions, and in general, anything not in conflict with the provisions of its own regulations, which are declared by the University of Turin and carried out at its own offices and/or at third-party offices or in identified locations, in Italy and/or abroad, resulting in death, permanent disability, or other consequences, guarantees, and/or conditions envisaged.
1. The injured person must go to the nearest emergency room or to their general practitioner to determine the existence and severity of the injury, explaining the causes and circumstances of the accident to the medical staff. The examining doctor (emergency room or general practitioner) will issue an initial medical certificate of injury with a diagnosis and prognosis.
2. The injured individual must promptly report the injury to the Contractual Applications Section of the University Human Resources Department, via email at [email protected], forwarding the medical certificate and any other documentation deemed useful.
Even if the prognosis is zero days, the employee is required to promptly notify [email protected]
3. In order to comply with legal obligations, the Contractual Applications Section of the Personnel Department electronically transmits a copy of the medical certificate to INAIL and transmits the documentation relating to the accident to the University Insurance System Area of the General Affairs and Cultural Heritage Directorate.
4. The University Insurance System Area forwards the insurance claim to the accident insurance company.
5. The injured party will receive notification from the University's insurance broker that the insurance claim has been opened.
6. The injured person must send to the University Insurance System Area - via the email address [email protected] - all supplementary medical documentation and any invoices/fees/paid tickets relating to medical expenses incurred and resulting from the accident, for the purposes of reimbursement
7. The injured person must send the medical certificate confirming the conclusion of the accident to the University Insurance System Area - via the email address [email protected] - where available, which will be sent to the University Insurance Company, to finalize the accident insurance practice.
Finally, the injured party may be summoned for a medical-legal examination, depending on the circumstances of the accident.
The insurance is provided under the policy conditions for the specific guarantees and amounts listed below:
- €620,000 - Death
- €620,000 - Permanent disability
- €10,000 per person - Reimbursement of medical expenses from an accident
- €5,000 per claim - Reimbursement of medical transportation expenses
- €1,000 per person - Reimbursement of expenses for the purchase of contact lenses
- €1,000 per person - Reimbursement of dental expenses
- €10,000 per person - Cosmetic damage
- €2,500 per person - Repatriation of remains
- €5,000 per claim - Medical repatriation.
Geographical limits: Validity worldwide.
For detailed information regarding additional insurance guarantees, please consult the contents of the policy contract and Circular No. 13/2023 of 17 th July 2023.
When studying, teaching, or researching abroad, check with the relevant authorities
about the host country's socio-health and political situation.
Also check:
- in the destination country (intra-EU or non-EU), the expected healthcare
arrangements - at the local health authority (ASL), the need for preventive healthcare.
The aforementioned insurance policy also includes coverage for injuries sustained while using the service vehicle for official purposes.
The accident insurance policy provides a guarantee for the reimbursement of medical expenses arising exclusively from an accident, but it is not a health insurance policy because the guarantees relating to the reimbursement of medical expenses are intended to be provided only in relation to the occurrence of an accident that the injured party suffers during the performance of tasks, duties, activities and responsibilities, institutionally foreseen, permitted or delegated, even collateral ones, without exceptions or exclusions and in general everything that does not conflict with the provisions of their own legal system.
Therefore, where study, teaching, or research activities are carried out abroad, it is advised to evaluate the aspects relating to healthcare and the possible activation, on a personal basis and at their own expense, of a health insurance policy that meets their specific needs.