Eighteenth Monthly Report by ANIA and UniNa: The Risk of Loss of Self-Sufficiency and Long-Term Care (LTC) Insurance in Italy

Developed by a joint working group from ANIA (Italian National Association of Insurance Companies) and the Department of Economics and Statistics at the University of Naples Federico II, the goal of the Monthly Report is to track Italian consumer expectations through descriptive statistical analysis of data collected by the “Italian Survey on Consumer Expectations” (ISCE).

This survey investigates consumers' economic and financial choices and their expectations for the future trends of various economic indicators. It also includes a thematic section that varies with each survey wave.

For each ISCE survey, conducted on a quarterly basis, the report provides periodic updates on Italian consumer expectations regarding the macroeconomic and microeconomic landscape, as well as findings from specific thematic sections.

The November 2025 report examines Italians’ awareness of and willingness to pay for Long-Term Care (LTC) insurance, based on ISCE survey data.

The survey results indicate that in Italy, despite rising life expectancy and an increasingly ageing population, both awareness of Long-Term Care (LTC) insurance and willingness to pay for such policies remain quite limited. This reveals a double constraint on their diffusion: economic factors that reduce the propensity to pay and an information gap that hinders the adoption of effective protection tools. The main reasons given for not being willing to pay include limited financial resources, distrust toward this type of solution, poor knowledge of the product, and the perception of not being at risk of losing self-sufficiency.

For detailed information on methodology, content, definitions, and the survey sample, please refer to the Methodological Appendix.
Further insights on the data presented and additional statistical information not included in the report can be found in the Statistical Appendix.

Any questions regarding the data in this publication may be directed via email to grins_spoke3@ania.it.

The information contained in these publications may be used and distributed with appropriate citation of the source. ANIA and UniNa bear no responsibility for any misinterpretation or incorrect conclusions drawn from the information provided.