Urgent: INAIL Updates Domestic Accident Insurance Rules & Payment Checks for 2025
Rome, Italy – Millions of Italian households are receiving crucial updates regarding mandatory domestic accident insurance provided by INAIL (Istituto Nazionale per l’Assicurazione contro gli Infortuni sul Lavoro). INAIL is currently completing checks on self-certifications submitted for exemption from the 2025 premium, impacting individuals engaged in specific household work arrangements. This is a developing story with potential implications for a significant portion of the Italian population, and we’re bringing you the latest details.
Who Needs Domestic Accident Insurance?
Under Law 493/99, domestic accident insurance is required for individuals who meet all of the following criteria:
- Age between 18 and 67
- Performing household tasks – cleaning, cooking, childcare, eldercare – without a formal employment contract (i.e., free of subordination).
- Engaged in this work habitually and exclusively, meaning they do not hold another job requiring social security registration.
This isn’t just about professional cleaners; it covers family members assisting with household duties, and those providing care within their own homes. It’s a vital safety net often overlooked, and INAIL is actively working to ensure compliance.
State-Funded Exemptions: Income Thresholds for 2025
Good news for many: the Italian state covers the insurance premium for those who meet specific income requirements. For payments relating to 2025, eligibility hinges on:
- Individual Gross Income (IRPEF): €4,648.11 or less per year.
- Family Unit Gross Income (IRPEF): €9,296.22 or less per year.
These thresholds are crucial. If your household income exceeds these limits, you’ll likely be responsible for paying the premium. INAIL is rigorously verifying these income declarations, so accuracy is paramount.
How to Verify Your Exemption & Payment Status
Submitting the application for exemption – or renewal – must be done exclusively online through the INAIL’s dedicated service (“application for registration and renewal with replacement declaration”). Don’t rely on paper forms!
Already paid but unsure if it’s been registered? INAIL acknowledges that payments made outside the standard notice system may not immediately appear in your online account. To rectify this, you’ll need to provide:
- Complete personal details (name, tax code, address)
- Email address
- Phone number
- Year the premium applies to
- A copy of the payment receipt (postal bulletin, bank transfer, etc.)
- A copy of your identity document and tax code.
This information should be submitted to INAIL for manual verification.
The New INAIL App: Insurance at Your Fingertips
INAIL has launched a dedicated section within its mobile app (available for iOS and Android) to streamline the process. Accessible via SPID, CIE, or CSN, the app allows you to:
- Register for insurance and pay the premium (redirects to Pagopa for payment).
- Download renewal notices.
- Download payment receipts.
- Download your registration certificate.
- View your payment history.
Evergreen Insight: The move towards digital self-service is a broader trend in Italian public administration, aiming for greater efficiency and transparency. The INAIL app is a prime example of this modernization, empowering citizens to manage their insurance affairs independently.
Staying Up-to-Date: Address Changes & Contact Information
INAIL is also proactively updating its records. If you’ve moved or changed your contact details, ensure this information is current to avoid missing important notifications. The agency is actively reaching out to insured individuals to verify addresses and contact information.
This proactive approach by INAIL underscores the importance of this often-overlooked insurance coverage. By leveraging digital tools and streamlining processes, INAIL is working to ensure that those eligible for protection receive it seamlessly. For the latest updates and to manage your insurance, visit the INAIL website or download the INAIL app today. Staying informed is the best way to protect yourself and your family.
