Short Term Health Insurance Plan: What are The Basics?

Oct. 3, 2012 - PRLog -- Short term health insurance plans are designed to provide health safety for short term. This insurance is available for individuals, group, family, child and couples. If you do not have basic health plan then it can help to provide affordable health benefits. Depending upon the plan you can access up to $5 million individual coverage. It is available for short term and most of the plan gets ends in one to six months but you can renew the plan for maximum of 36 months. However, the coverage period also depends upon the state regulations.

You should answer about health questions properly in the application otherwise you fail to get the treatment for preexisting medical conditions. Remember that, short term health insurance policies are available with several limitations so it is important to know about the terms completely before applying for the same.

Temporarily unemployed, recent college graduates, new employed person, early retirees, military discharge and people waiting for standard coverage plans are suitable candidate to get health coverage through this option. In this option, you can get treatment from any physician or hospital that you like. You should have certification from your insurance provider before hospitalization. Short term help policy include surgery cost, emergency services, diagnostic tests, hospital care and also limited mental care are included in the coverage. Most of short term medical plans offer renewal for 36 months but if you file for claim before renewal then insurance provider may refuse to renew the plan. They may offer you another plan as per your medical conditions.

Short term medical insurance(http://www.privatehealthinsurance247.co.uk/) plans are available with low premium cost but it is important to compare the quotes to find best available option. Majority of insurance providers want upfront premiums. These are some important things related to short term health insurance plans. You can access more information from experts before taking final decision.