My father, an Australian passport holder, is planning to visit a relative in Italy for 6-8 weeks. Given that Australia and Italy have a Reciprocal Health Care agreement, is it worthwhile for him to pay for travel insurance which is about $900?
I understand that the travel insurance has other benefits such as recovering trip cancellation costs, lost baggage etc,any health-related event that might occur during his flights to/from Italy and repatriation.
My main concern is whether it is worthwhile for him to get travel insurance mainly for any medical situations that could happen during his stay in Italy. After reading T&C of travel insurances, I have found that their health coverage is lower than the public hospital system. For example, most travel insurances exclude any pre-existing conditions where as RHCA seem to cover them.
Does anyone have experience or know someone who has received medical care under the RHCA in Italy? Is it easy to receive?
The Reciprocal Health Care Agreement (RHCA) we have with Italy: