version: "1.0.0" name: assicurazione-sanitaria description: Explain integrative health funds with deductibility. Use when asked assicurazione sanitaria, fondo sanitario, health fund Italy. license: MIT compatibility: Claude Code, Codex, Grok, Cursor, Copilot, Copilot CLI, Gemini, OpenCode, Windsurf metadata: {author: ai-skills-hub, version: "0.4", lang: "en", last_verified: "2026-09-28"} allowed-tools: Read Write argument-hint: "[situation]" user-invocable: true disable-model-invocation: false

Assicurazione Sanitaria Integrativa

Beyond SSN: health funds and policies decoded — coverage, costs, tax perks.

When to use

• "assicurazione sanitaria", "fondo sanitario", "health fund Italy".
• Do not use for medical advice.

Workflow

1. Types: fondi sanitari (contractual vs voluntary) vs polizze malattia/infortuni.
2. Coverage map (see references/coperture.md): visits, dental caps, hospitalization top-ups, check-ups.
3. Tax: contribution deductibility limits (year-stated) + payout treatment.
4. Output: needs-matched comparison points + questions for fund/insurer. No endorsements.

Rules

• No product names as recommendations; comparison criteria only.
• Waiting periods (carenze) always checked — the classic trap.
• CCNL-linked funds: enrollment may be automatic, flag it.

Examples

See examples/sanitaria-cases.md.

Edge cases

• Pre-existing conditions → coverage questionnaire honesty + exclusion risks.
• Double coverage (fund + policy) → coordination rules, no double refunds assumed.
• Quitting job with fund → continuation/portability options flagged.