Short term health insurance safeguards you in case of some unforeseen event (viz. accidents and illnesses) in the middle of an intermediary period while you are not covered by some other health policies. It is akin to the other regular health care plans available. These are is often an lower cost option to the standard medical plans. But, they do not cover already-existing health situation and scheduled visits to the doctor, also optical and dental care, pregnancies, etc. They are used to fill the gap between the normal heath coverage.
Short term health insurance plans are also known as the temporary health plans. It's quite easy and affordable to take one. Also, it's quite easy to buy such plans as most of them are available on-line. These plans are quite flexible also as you are free to choose their duration which could be anywhere between a month to a year (usually a month to three months).
These plans are most suitable for students who are no longer covered under their parent's health plans and are expecting a good job offer with specialized health coverage for the intermediate period as they are cheaper. These are also suitable for to-be married people who are planning to get a family insurance plan afterwards. It could also be useful if one has been kept on probation period on a new job as during this period employers usually won't provide any health coverage.
These plans usually won't require any medical examinations prior to buying them. These allow you to pick doctor of your own choice. They cover in and out-patient services offered by hospitals, hospital beds, X-rays, examinations, etc.
Conditions for eligibility:-
- Individuals who are healthy ranging from 15 days to 64 years.
- Foreigners residing in US since a year having Visa, or Green Card, or Alien Registration Receipt, etc.