subject: Temporary Health Insurance [print this page] Going into a long term health insurance could be difficult for many people. This is usually because they are new to the system; fearing how it would be. In case you are also planning to go for a health insurance but without previous experience, then it would be advisable you go for the temporary health insurance.
The insurance company runs both the long term and short term health insurance. the temporary is an insurance within a short limited time that only lasts for few months. This type of insurance is usually like a testing insurance. you use it to test the reliability of an insurance industry. After the limited time is over, you may now decide we there to continue on a long term basis or you quit. It is worthy to note that it is not binding on you to remain in the contract till it lapses, but you can opt out at any time you wish not to continue.
In addition, the major difference between this type of insurance is the duration. The temporary health insurance usually spans from two months to eleven months, whereas, the permanent health insurance is for a long term. The permanent health insurance is renewed when the premium paid last expires. Unlike the temporary, here, your insurer cannot terminate the policy except with your permission.
The health challenges we witness today, there is a dire need for an health insurance. It is good to get a reliable insurer. The temporary plan is a better option as the premium is agreeable. At any time, sickness may come to visit you but when you are insured, then there is maximum assurance for quick, adequate and effectisve treatment. This treatment covers any type of sickness, be it malaria, or accident.
The policies guiding the temporary insurance includes limitations and exclusions. As someone going for this plan, it is very important to first go through all these. It is worth stating that the company providing the temporary health insurance service has autonomy on the plan to certain extent. Therefore if there is breach of contract at any stage, then the company can decide to call it off.
Interestingly, the temporary health policies also cover all medical services except those that excluded in the exclusion and limitations. The temporary health insurance covers services like, diagnosis, emergency care, test, surgery, follow up and many other services.
Lastly, the benefits of this type of insurance are more than these. However, it is important to make it clear here that the temporary health insurance is different from the short term medical insurance. Despite that, both plans have some similarities and they are the deductibles and co-insurance.
by: Erica Bailey
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