TEMPORARY
HEALTH INSURANCE COVERAGE PLAN AFFORDABLE INDIVIDUAL BENEFITS
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Temporary
health
insurance plan information.
WHAT
IS TEMPORARY HEALTH INSURANCE?
Temporary
health insurance coverage is available to those
looking for health insurance for a short period
of time, and this could be for a variety of
reasons.
This type of
coverage is available for any person, both young
and old, and policyholders can get treatment
from licensed health providers should they
become sick during the term of the policy.
TEMPORARY
HEALTH INSURANCE
This type of health insurance is not
designed for long term use, and usually covers policy holders for between
one and six months. It is not designed as a substitute for permanent health
coverage, but more as a temporary measure to bridge the gap when you may be
without health insurance coverage for one reason or another.
This temporary coverage enables
policyholders to get treatment in the event that they are in an accident or
are taken sick whilst covered by the insurance. The coverage is not designed
to provide check-ups or other preventative measures, nor is it designed for
other forms of treatment such as dental care or immunizations.
A
number of people can benefit from the protection that temporary health coverage
provides. Those between jobs, for example, may find themselves without any form
of coverage for a short while. Temporary health coverage can provide peace of
mind on a short term basis until new employment is found. Students can also
benefit from this type of coverage, enabling them to enjoy the peace of mind
provided by this protection during times of the year when they are not covered
by their college insurance plan.
At the end of your policy term, you may be able to renew your temporary health
insurance coverage for another period of time. This is largely up to the
insurer, and will depend upon your circumstances. You may have trouble getting a
renewal in the event that you have already made a claim on your temporary
coverage, and even if you are permitted to renew, your cost of coverage is
likely to increase. However, most insurers will allow you to renew your policy
providing that they are satisfied that you will be getting permanent coverage in
the foreseeable future or there is a valid reason for you to still require
temporary coverage.
Before being granted temporary health insurance coverage, there is a chance that
you may have to provide a medical certificate confirming that you are in good
health – this can vary from one insurer to another. If you apply for temporary
health coverage and you have a pre-existing medical condition, you may still be
able to get coverage, but the policy may exclude treatment relating to your
condition.
Temporary health coverage is only valid for the period specified, and should you
get permanent coverage during the term of the temporary health insurance, your
temporary policy will immediately become void. You should never try and claim on
temporary health insurance once you have a permanent policy in place, as this
could constitute fraud. Permanent coverage will always supersede any temporary
coverage you have, and therefore any medical issues should be addressed through
your permanent insurance once you have it.
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management, please go to the Money
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Policy Information
Temporary
health
insurance plan information.
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teach and learn money skills, personal finance, and money
management, please go to the