“Working at home is no less important than working in a company or office”, explained Franco Bettoni, President of the National Institute for Insurance against Accidents at Work (INAIL, in Italian). It exposes people to falls and many risks related to fire, electricity, gas and chemicals. To underline the importance of the prevention of domestic accidents and the social value of compulsory insurance, Franco Bettoni pointed out that since a 1999 law, amended in 2018, the Institute insures those who deal with housing in a habitual, exclusive and free way and who are between 18 and 67 years old.
This concerns housewives and househusbands, pensioners, foreign nationals without other employment, students and young people awaiting their first job, the unemployed or recipients of benefits paid by the occupational integration funds, workers compensated after involuntary job loss and seasonal workers.
Since 2018 (Law 145), a pension is paid to accident victims from 16% permanent incapacity instead of the 27% provided for in the original law. In addition, a one-off benefit of €300 has been introduced where the established permanent invalidity is between 6% and 15%. In addition, the monthly continuous personal assistance allowance (Apc) is paid to recipients of pensions for domestic accidents in particularly serious conditions, while the one-off allowance reserved for survivors in the event of a fatal accident has been increased to €10 000. Tax deductible, the cost of the contract is borne by the State for persons whose total gross personal income does not exceed €4,648.11 per year and who form part of a family unit whose total gross income does not exceed €9296.22.
Source (in Italian)
More on insurance for domestic workers (pdf, in Italian)