Sunday, February 24, 2013

Short Term Health Insurance - Flexible And Cheap Coverage

By Brenda Patti


If you are looking for a flexible and inexpensive coverage against illnesses and accidents, then short term insurance is for you. The medical coverage under this insurance plan varies from 1 month to 1 year. They are specifically designed for self employed and also families who don't need any coverage for pre-existing conditions. Mostly, these plans are available to those people who are in-between employment or waiting for another insurance coverage to become effective again. They make an ideal option for fresh graduate students, individuals waiting on healthcare, people in non-traditional jobs, people in career changeover, temporary workers looking for healthcare benefits, self employed, as well as individuals seeking inexpensive option to get COBRA coverage. International students could also acquire this kind of insurance coverage.

Among other health plans that are temporary are emergency care, prescription drugs, hospitalization, and preventive illness programs. Based on the plan, the insurer could avail the healthcare or medical profits and benefits. These plans often cost just once. They are flexible and enable the holders to pay the bills on monthly basis. They might actually have a one payment option. They are inexpensive when compared with typical individual health insurance policy. The main advantage is that you could easily drop this short-term insurance plan if you desire.

As their name implies, these plans have a very limited timetable. Usually, they cannot be renewed. Once the tenure of a plan is finished, the insurer needs to find health insurance coverage with a plan made for long term. If you require a long term plan, it is simple to find it within the short term insurance companies.

Registering for Temporary Health Insurance Policy

The application process is also easier than regular health insurance and can be easily obtained by anyone. Short term health coverage begins within 1 day of your application submission. If you need to start immediately, you just need to pay the first premium by furnishing a legitimate credit card number. Many of these insurance plans offer a 1 month minimum coverage. After your health insurance policy, the health insurance firms allows you to re-apply for another temporary plan, if you desire.

Remember that short term insurance is not for someone who want to have coverage against pre-existing conditions.

The Recipients - This type of plan is definitely meant for healthy people. Since it is inexpensive and can provide large coverage, it's ideal for the following sections:

- Temporary and part time employees who do not require coverage against a pre-existing medical problem

- Fresh graduates looking for temporary health insurance policies.

- Youngsters over 18 years old.

Therefore, if you are searching for a short-term plan to have medical coverage for a short period of time to have protection against unforeseen medical costs, you could opt for this plan that offers many benefits like every other standard health insurance plans. Get stability and security using your medical coverage with this particular plan now. Things you need is to conduct an excellent study on the internet to find out which insurance policy could work good for you to get the best coverage for unexpected health problems.




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