Temporary Health Insurance

Insuring Against Illnesses

Many insurance companies offer a quick and easy way to protect you and your family from the financial hardship of unexpected illness and injuries by insuring your health temporarily.

Health Insurance Temporary - Pros and Cons

Short-term health insurance policies generally include emergency medicine, prescription drugs, intensive care, lab and x-ray, ambulance, and some home and hospital care. Get the details of parameters serviced when you apply for a specific policy.

Remember, short-term plans are not meant to cover routine exams, preventive care, dental or eye care, or immunizations, and are rather for providing protection from unforeseen illness or injury.

Precautions for Seeking Temporary Health Insurance

The temporary health insurance policy can be adapted to extend coverage to a spouse and dependents. It usually covers most of the same services as a permanent policy does, albeit with minor differences.

Be careful not to buy coverage with a long list of exclusions. For this, you need to read all coverage information carefully, and note those areas where you will have to 'self-insure'.

Additional Temporary Insurance

You can extend your coverage by buying additional temporary insurance if the effective date of your permanent health plan is delayed.

Short-term health insurance is a temporary health insurance plan (typically 1 to 12 months) and should not be used as a substitute for standard, long-term health insurance. The latter type of coverage is renewable for multiple years and can provide continuous claims coverage over a long period of time.

Precautions When Insuring Health Temporarily

If you are opting for a temporary health insurance plan, insist upon its taking effect immediately and covering you for that number of days. Calculate the number of days until your permanent group or individual health insurance takes effect.

Once your temporary health insurance policy arrives, check all the details carefully just to make sure all your personal information is correct and that you are covered during the period for which you applied.

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