A comparison between temporary and permanent health insurance plans

Looking for the right health insurance plan may sometimes be taxing

. This happens when you don't know where to start. But as soon as you've taken some basic steps in making a search, everything will be easy. You just have to review the basics in buying a health plan. Add to this however, you should know basic types of private health insurance plans as well. You have temporary and permanent options. Let's compare these two things through the following points and see which one best suits you.

# 1 Terms of the policy. The term of the policy is one of the deciding factors in getting the type of health insurance plan you want. You can base the term of the policy with your capacity to pay for the plan. Obviously, a temporary private health insurance plan is short-term by nature. It follows then that the permanent type is long-term. A temporary plan is basically offered for a term of six months to twelve months. Anything beyond that is already a permanent policy.

# 2 People who'll benefit from the health insurance plan. Not all people are said to benefit from a temporary health plan. Some service providers offer this type of policy for a person who lost a job and is currently searching for another one. This is also intended for those who have been laid off from a previous job. While the private health insurance plan caters to seasonal employees so to speak, it's also a perfect option for students.

# 3 Complexity of applying for one. You may often wonder how long it will take for you to get a private health insurance plan. Some of you may want to rush the process. Well, in case you are qualified for temporary health insurance, the process will only take one day. This is provided you've submitted all requirements. As for the permanent type, it may take some time before you actually get the plan you need.

# 4 Coverage. Of course, health insurance plan coverage is one thing you would want to look into when purchasing your health policy. If you decide to go for the temporary plan, expect that it will cater basically to unseen ailments and accidents. It will not provide full coverage. Typically, preventive, dental and vision care are not included. It does not cover pre-existing medical conditions as well. So, if you want your private health insurance plan to cover for these things, you better go for the permanent type.

A temporary health insurance plan is perfect for the unemployed. But of course, the permanent type offers more benefits that you're looking for in an insurance policy. Before you decide on what type of insurance policy to get, you should assess all comparisons made above. There are instances that you won't need permanent cover. If in case you're looking forward to other options for private health insurance plans, don't fail to raise your concerns to the provider. They can provide policies that are tailored fit for your specific needs.

A comparison between temporary and permanent health insurance plans

By: Michael Smith

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