Life is full of uncertainties, what lies in the future no one clearly knows. Right now you may be in sound status of health, but who knows about diseases and mishaps. To tackle health related problems, financial soundness is always required. Unfortunately in past few years, there is a great upheaval in the cost of medical facilities. In such a condition, leaving yourself and your family without the coverage of health insurance is not a wise step. Health insurance brings some certainties in life by protecting you against future medical expenses.
Various health insurance plans are offered by different insurers. Short term health insurance is a highly beneficial insurance plan, when life is passing through the phase of transition. The word transition covers many conditions, you can be a student who has just passed out of college and your parents’ insurance plan is not covering you anymore. You can be a professional who has left his job in search of a better opportunity and you are no longer covered with employer’s group insurance plan. Requirement of protection of health insurance until settlement comes is an ideal condition to go for short term health insurance.
Short term health insurance is also known as temporary health insurance. Short term health insurance coverage plans protect you from 30days up to 180days. However, short term health insurance plans with duration of 12 months are also devised by some insurance companies. Coverage beyond one year is generally not possible in a short term insurance plan. Coverage of a short term health is available for inpatient and outpatient services. You can meet with expenses of hospital rooms, lab testing charges, charges of X-rays and cost of prescription medications with an affordable short term health insurance. Cost of treatment in intensive care unit (ICU) also comes under the coverage of a short term insurance plan.
To make short term health insurance affordable, already existing diseases and injuries are not included under coverage of a short term health insurance plan. Diseases, for which you have received treatment in last five years, are also not covered in a short term plan of health insurance. Preventive and routine health check ups, dental care, optical care, and child birth related expenses too are not included in a short term health insurance coverage.
There is hardly any requirement of a physical examination to get coverage of an affordable short term health insurance. An application form through internet and payment of initial installment by check or credit card are enough to ensure you against medical requirements. Before opting for a short term insurance plan carefully go through the terms and conditions of that plan. Opt for an affordable short term health insurance online and enjoy convenience as well as speed in insurance procedure.
