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Insurance, welfare or tax deduction: here’s how to use them on Qura.

Many Qura members recover part of the cost. Find the situation that applies to you, we explain what to do, step by step.

Find your situation

The €116 upfront fee can also be paid in 3 instalments of €39/month with Klarna. The tests are paid separately, at the lab, and can be covered by your insurance or company welfare.

Forbes
Milano Finanza
Il Sole 24 Ore
Corriere della Sera

Three ways to pay less

What’s your situation?

The options stay valid at any time — pick the one that applies to you and we’ll explain how to proceed.

Health insurance

Laboratory tests€249
Estimated reimbursement€199
Your coverageUp to 80%

Have a private health policy?

UniSalute, Generali, Allianz and others often reimburse the lab fee.

Go to insurance reimbursement

Company welfare

Available credit€500
Qura Complete€365
You pay€0

Have welfare at work?

AON Welfare, Tundr, Coverflex: activate Qura directly with your welfare credit.

Go to company welfare

Tax deduction

Qura Complete€365
Tax deductible19%
You save€69.35

Just want to deduct the expense?

Even without a policy or welfare, part of the cost is 19% tax-deductible.

Go to the tax deduction

Your insurance may cover your lab tests

For now there are no direct agreements between Qura and the insurance companies — we’re working on it. The reimbursement still happens, through your own policy. These are the providers Qura members get reimbursed by most often, based on the terms of their own policy.

Private insurers

UniSalute

Generali

Allianz

Reale Mutua

Previmedical/RBM

Intesa Assicura

Supplementary health funds

FASCHIM

QUAS

Metasalute

FASI/FASI Open

FASDAC

Casagit

Can’t find your insurer or fund?

How to recover the cost
of the lab work

Qura doesn’t yet have direct agreements with the insurance companies. There are still two possible routes, depending on your policy.

Indirect reimbursement

You pay, then claim from your insurer.

Still have doubts?

, we’ll help you check it together.

1

Check your policy

In your policy, look for “laboratory tests”, “diagnostics”, “prevention” or “indirect healthcare”. Check the annual cap and whether a medical prescription is required.
2

Get a prescription

Book a 15-minute consultation with a Qura doctor. If clinically indicated, they’ll issue your prescription before your lab appointment. The consultation costs €30, refunded if you subscribe to Qura.
Many insurance policies do not accept prescriptions dated after the clinic appointment. Our doctors cannot issue backdated prescriptions.
Already a Qura member? The consultation is free.
3

Pay in two steps

Pay €116 when you join Qura, then the remaining amount at the lab. The lab will issue an invoice for the tests, which you can use for your reimbursement claim.
4

Submit your claim

Upload the lab invoice along with any other documents required by your insurer and request reimbursement according to your policy.
Direct reimbursement

You use your insurer’s direct agreement.

This route is only possible with the Base membership, which doesn’t include the cost of the tests: it isn’t compatible with the Complete and Complete Plus plans. With Base you do the lab work on your own, using the direct agreement provided by your policy.

Company welfare

Activate Qura with your welfare credit

These are some of the welfare platforms we have active agreements with. Search for Qura in your portal to check whether it’s already available.

AON Welfare

Search for Qura on the platform and message the AON team with the package you chose (Base, Complete Man/Woman or Plus Man/Woman membership) and the relative amount

You will receive an email from them confirming the request.

Afterwards, we’ll send you a message with all the details to get started on your journey.

Coverflex

If you have Coverflex credit, you can use it to sign up to Qura.

Tundr

If you have Tundr credit, you can use it to sign up to Qura.

Pellegrini

For Unicredit employees

Search for Qura on the platform and message the AON team with the package you chose (Base, Complete Man/Woman or Plus Man/Woman membership) and the relative amount

You will receive an email from them confirming the request.

Afterwards, send us a message attaching the voucher and we will provide you all the details to get started on your journey.

Your company doesn’t have an agreement with Qura yet? You can start one.

Welfare does not apply to promotional or discounted plans.

Tax deduction

Get 19% of your lab costs back

Your Qura lab tests qualify as a medical expense, so you can deduct 19% of the cost in your tax return.

19% tax deduction

Complete

€249

about €47 recovered

Complete Plus

€349

about €66 recovered

Just keep the invoice.

See how the deduction works

How you pay

Two amounts, two moments

* Reimbursable and deductible

This is the fee reimbursable by your policy and deductible on your tax return.

Today

€116

when you subscribe to Qura

At the lab, at the blood draw

€249 / €349

depending on the plan you choose

The real cost

Comprehensive care, without the usual cost

Qura brings your tests, doctor, personalised protocol and ongoing support together in one membership.

WITHOUT QURA

€2,000+

Specialist visits

Blood tests

Health assessments

Ongoing support

Personalised guidance

WITH QURA

€365

Dedicated Qura doctor

80+ health parameters

Personalised protocol

Ongoing monitoring & support

Qura AI

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FAQ

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Qura — Insurance, welfare or tax deduction: pay less