short term health insurance
Short term health insurance is an insurance scheme that pays for your medical bills on a short term foundation. This does not however relate to extended care over a short period of time such as making provision for nursing or other forms of assisted living at your home. The real essence in life is found in its emptiness. You might be healthy now and sick the next minute. An assortment of health insurance plans are provided by different insurance companies. The purpose of short term health insurance is making provisions for your health temporally and this type of insurance plan is very much of assistance when life is in an intermediary period. Transition in this case does not mean an end to life in itself. Transition means alterations or switchover periods in your life when one insurance scheme may no more provide coverage to you. For example, you might have come to a stage where the family health care insurance may no more provide coverage for you. You might also have graduated from being a student to a professional. The healthcare plan you were liable to will no more be applicable. You will have to move into a more advanced insurance scheme like those of professionals or workers.
The scope of a short term health insurance scheme varies from one jurisdiction to another. Generally, the scope of coverage of short term health insurance plans varies from thirty days to twelve months. Coverage beyond this period is the sole province of long term insurance schemes. Thus, short term health insurance coverage can be renewed. Coverage is usually applicable in cases of inpatient and outpatient services. Therefore, as a student, it is possible to use short term health insurance plans to meet up with expenses during the course of your studies abroad or within the country.
Short term health insurance coverage has its own limitations. Mostly, this plan does not provide coverage for previously existing diseases or injuries and for diseases or injuries that healing had been commenced on for the last five years. This plan does not further provide coverage to habitual health examinations, visual and dental care and to maternity and related expenses. These notwithstanding, there are almost no prerequisites to be physically examined before signing a contract for short term health insurance. The procedure is speedy involving just a filling of the relevant forms and making the required payments. On the other hand, make sure you read thoroughly and understand all the fine prints on the forms. Look before you leap.