Short-term health insurance is useful in specific instances. Buying short-term insurance is usually a simple process, and can be done online, either through the insurance company's Web site, or through a comparison Web site. There are a few factors to consider before purchasing temporary insurance.
Short-term health insurance is for individuals who expect to have full health coverage in the near future. Typical types of people looking for such insurance include people who are between jobs, changing their visa status, or working on a temporary basis. It is also used to cover short international trips.
You can purchase short-term health insurance online by logging on directly to a company's Web site. However, if you are looking to check out benefits from different companies, browsing each Web site separately may be a challenge.
The other way to purchase short term health insurance is by using comparison Web sites. These sites usually offer a range of options and specifications, and allow a person to choose a plan that offers the exact benefits he/she is looking for. While price can be an important factor in choosing a plan, it should not be the only one-details of what is covered are more important. Cheap plans may lack important coverage.
Remember to check the financial health of the insurance company before purchasing short-term health insurance. It usually reflects the company's ability and willingness to honor claims. Refer to the ratings given by A.M. Best and Company, the most trusted name in insurance company ratings. Look for a company with a rating of at least A.
It is also important to remember to purchase short-term medical insurance before earlier coverage runs out. Also, estimating the appropriate duration of the coverage will help ensure that the plan holder is not over- or under-insured.
Remember the purpose of short-term medical insurance: to cover unexpected expenses related to accidents or sudden illness. It follows that your short-term health insurance plan will generally not cover regular eye and dental check ups, pregnancy, or any previously existing medical condition. If you anticipate that you will require coverage for more than six months, consider changing to a long-term health insurance plan.
Finally, purchasing short-term health insurance is easily done online, and does not require complicated paperwork. Short-term health insurance can give one peace of mind during uncertain periods in life. - 26706
Short-term health insurance is for individuals who expect to have full health coverage in the near future. Typical types of people looking for such insurance include people who are between jobs, changing their visa status, or working on a temporary basis. It is also used to cover short international trips.
You can purchase short-term health insurance online by logging on directly to a company's Web site. However, if you are looking to check out benefits from different companies, browsing each Web site separately may be a challenge.
The other way to purchase short term health insurance is by using comparison Web sites. These sites usually offer a range of options and specifications, and allow a person to choose a plan that offers the exact benefits he/she is looking for. While price can be an important factor in choosing a plan, it should not be the only one-details of what is covered are more important. Cheap plans may lack important coverage.
Remember to check the financial health of the insurance company before purchasing short-term health insurance. It usually reflects the company's ability and willingness to honor claims. Refer to the ratings given by A.M. Best and Company, the most trusted name in insurance company ratings. Look for a company with a rating of at least A.
It is also important to remember to purchase short-term medical insurance before earlier coverage runs out. Also, estimating the appropriate duration of the coverage will help ensure that the plan holder is not over- or under-insured.
Remember the purpose of short-term medical insurance: to cover unexpected expenses related to accidents or sudden illness. It follows that your short-term health insurance plan will generally not cover regular eye and dental check ups, pregnancy, or any previously existing medical condition. If you anticipate that you will require coverage for more than six months, consider changing to a long-term health insurance plan.
Finally, purchasing short-term health insurance is easily done online, and does not require complicated paperwork. Short-term health insurance can give one peace of mind during uncertain periods in life. - 26706
