Housewives Insurance. Among the accident policies for the person, household insurance has become mandatory since March 31, 2001. The policy lasts one year and must be paid by March 31 of each year.
Let’s see who is required to insure:
The obligation to take out household insurance with Inail is provided for all people between 18 and 65 years of age, who carry out “exclusive activities” at home with people from their own family. The obligation for housewives insurance is conditioned by the fact that the domestic activity must be carried out “on a non-occasional basis” and “aimed at caring for the people who make up the family unit”.
We also specify singles who carry out domestic activities as written above are required to insure themselves as the family unit can also consist of only one person.
Retirees under the age of 65, adults who work exclusively at home for the care of family members, foreign citizens who regularly stay in Italy can also be insured.
Some categories of workers, for periods in which they do not carry out work, can take out housewives insurance, these categories include workers in ordinary or extraordinary layoffs, those on the move, those in seasonal, temporary or fixed-term work. Even if these are short periods, the insurance premium must be paid for the whole year, but the insurance coverage is valid only within the periods in which no work is carried out.
Housewives whose gross income does not exceed € 4,648.11 and whose family unit does not reach € 9,296.22 gross are exempt from paying this insurance. In this case, the State will be responsible for the payment of the premium.
Housewives insurance covers accidents, occurring in the home, which cause permanent incapacity for work of no less than 27% or death (since May 2006). All those arising from the presence of pets, from the care of the home environment, provided that it is minor maintenance work, from the exercise of activities aimed at caring for people, even if extraneous to the family unit, are covered.
All accidents not caused by domestic work or resulting from natural disasters such as the collapse of buildings are excluded from the coverage of the household insurance.