What is Temporary Short Term Health Insurance?

There are many situations in life when you have to do without proper medical insurance for short periods. This can be when you're a student and you're just looking out for your first job that you expect at any moment. Maybe you're just waiting for your benefits for your regular job to kick in. There are even workers who have jobs sporadically depending on the time of the year. Temporary short term health insurance is meant to help those in such situations.

They need to ensure that they are covered during these intervals in order to safeguard their finances. We all know how expensive medical care can get and going without health insurance for even short periods isn't really an option people are willing to consider.

What temporary short term health insurance covers

Short term health insurance is meant to cover all those situations that arise during your coverage period. It will specifically not cover problems arising from pre existing conditions that are generally defined to have existed within 36 months from the date your short term health insurance coverage starts.

Short term health insurance can be sophisticated and cover almost everything, or it can cover only the basics. Most people are comfortable taking out catastrophic health insurance for the in between period since this sort of coverage is only meant for healthy people. Generally routine and preventive check ups are not covered.

Coverage can be obtained not only for yourself, but for your family as well including a spouse and children. The duration of the coverage can vary from 3 months to 3 years and can be regularly extended at your request.

Qualifications for short term health insurance

The only qualification is that you should be completely healthy. When applying for coverage, you will fill out an application form asking you various questions regarding your health. You should be able to answer in the negative for each question. In fact, this is one of the disadvantages of short term coverage since you might have pre existing conditions.

Another potential stumbling block is that once you file a claim under this sort of policy, it can be treated as a pre existing condition and you are very likely to be refused a renewal under the same terms. This is rather inconvenient, but there isn't much to be done about it.

Summary

On the whole, short term heath insurance can help you fill up the gaps in your policy. Use this site to check out the best quotes from various vendors and make the best choice!