The health insurance plans intended for a short-term are insurance
medical temporary plans; these plans are valid for limited period of
time. In this type of insurance, the insurer will cover the medical
expenses of the insured for the period of his/her ill health brought on
by sickness or some accidents.
In most of the cases,
the coverage of the short-term medical insurances excludes the routine
preventive care such as immunizations or physical care. These
insurances only provide coverage in the cases of accidents and sudden
illnesses.
The
insurance medical temporary can provide health care coverage during the
transitional time of your life when you have no medical coverage. Such
a medical insurance can be quite beneficial, especially if you are a
recent graduate, or on strike, between jobs, laid off or looking for a
permanent medical coverage.
How To Apply For Insurance Medical Temporary Plans
The
process of applying for the temporary medical insurance plans is short
and uncomplicated. You can go for an online application; online
applications are, often times, approved within 24 hours and then you
can avail the insurance cover from the next day onwards. These
temporary medical insurance plans are proposed on per month basis.
Usually the coverage lasts for six to twelve months; however, in
certain exceptional cases it can be extended to some 36 months.
Eligibility For Insurance Medical Temporary Coverage
Those
of you who have some or the other pre-existing limitation would
normally find it difficult to get medically insured on a
temporary-basis. There are companies that keep out athletes or people
who are highly vulnerable to injuries. Temporary insurance plans also
rule out medical benefits/services for pregnant women under their plan.
Normally, the age to apply for such insurance is under 65
years; children below 19 years are eligible as are full-time students
below 25 years.
Benefits
There are many benefits
attached to insurance medical temporary plans – you have the choice of
selecting any hospital or doctor that you prefer. In incidences such as
an accident, an unforeseen sickness or an emergency, such an insurance
plan can be of great relief to you.
There are plenty of
options providing both medical and dental coverage or either of the
two. Apart from this, you can also avail prescription coverage.
Moreover, you can access deductible scheme for yourself as well as your
family.
Since the medical expenses are soaring, a temporary
insurance can provide you good medical coverage during urgencies. The
temporary plan allows constant coverage and fills the gaps between the
long-term plans. Therefore, those of you who are intending to plan for
short-term contingencies can opt for an insurance medical temporary
plan.
Before finalizing on the medical insurance, however,
you must read through the terms and conditions of the policy
cautiously. Also evaluate the benefits and exclusions of different
companies and then decide which insurance medical temporary plan would
meet your requirements best.