After a long wait, the implementing decree to give effect to the Gelli Law allowing direct action against the insurance company of a healthcare facility or individual healthcare professional is available. Once it comes into force, the innovative law will be definitively integrated into the legal system. The injured party's direct action will be subject to the same statute of limitations as the action against the public or private healthcare facility or healthcare professional. Such direct action will require a substantial update to current policy wordings in order to make them fully compliant with the new regulations. Insurers will also now need to prepare themselves for managing disputes made directly against them by the injured party, within restrictions on the enforceability of insurance exclusions.