Short Term Health Insurance Blog
Monday, April 24, 2017
Thanks to media a lot of awareness has been spread for acquiring insurance be it health, expatriate or for your assets. However, the best bet in these time especially for people on daily wages or for people who are unemployed or switching jobs is the short term health insurance which can be taken for a month for a year. This type of insurance helps people who do not want to wait till the end of an insurance premium term to reap benefits of insurance. The world at large consists of many people who require such type of insurance.
Usually the terms of Short Term Health Insurance are very simple and it can be taken or renewed it at any time. Another good thing about the Short Term Health Insurance is that people who are buying insurance for the first time can test a company out by taking the short term insurance. If it is feasible for them, then they can continue the plan or buy a long-term insurance. The benefits of short-term extend such that if you have been employed at a foreign country, you can get the insurance for that time period. It will make your stay easier until you are there.
It should be noted that Short Term Health Insurance does not cover pre-existing medical issues. That means that if you are suffering from a medical condition from three to five years, then you are not eligible for such insurance. However, sometimes if you already have a long-term insurance, it can be extended to cater for existing medical condition as a short-term insurance. Also, there are certain companies that will extend such courtesy. Short-term medical insurance can also be beneficial if you are travelling for a certain period of time with family where you employer does not cover family expenses.
Virtually 2 or 3 deaths are due to chronic disease worldwide. These are long- duration, slow-progressing and silent killers. Nine million out of the 36 million people that died of chronic disease in 2008 were below 60 years old. 9 out of 10 of these untimely deaths happened in low and middle income countries. This is because medical insurers were reluctant to cover people against chronic disease. On World Health Organization figures, cancer, heart disease, respiratory disease, stroke and diabetes are responsible for 63 per cent of all the deaths.
However, as medical insurers are overcoming their reluctance to cover people against chronic disease more and more, you can now get short term health insurance cover even when your cards are marked by a chronic condition. Short term health insurance cover costs less and it is affordable. If you want to obtain temporary medical insurance policy and you are not certain, what you need to do is to get in touch with the department of state for necessary information concerning the companies providing short term health insurance policies.
This is necessary because to be recognized as a reputable and practicing insurance company, it must be state department approved. In other words, recognized insurance companies are those that have gone through the state’s department approval procedure as this will make them comply with all the rules and regulations guiding all insurance plans.
Apart from the fact that they necessitate much more meddling medical history examinations, many standard insurance plans are perfect, compared to short term health insurance plans. In some cases when you apply for regular insurance plan, you must provide your doctor’s records to the insurance company. On the other hand, a nurse will be required by the insurance company to administer any physical condition prior to the issuance of short term health insurance policy.
Short term health insurance is the type of cover that is taken for a short duration to close the gap between coverage. It is economical and not complicated to obtain short term health insurance policy and the plans are controlled by the department of state.
Without any doubt of mind, the type of insurance cover you desire when traveling abroad for your visit of two to six months is the short term health insurance policy. If your age falls between 69 and 74, short term health insurance policy is perfect for you, although there are other costly insurance plans for those who are older.
It is dangerous and risky to travel abroad without obtaining necessary short term health insurance cover. This is nothing but sitting on gun powder that can explode at any time. If you fail to obtain short term health insurance cover for your trip abroad and you fall ill or sustain injury unexpectedly, you will have to pay huge sum of money for your treatment.
There are many travelers who believe that they are covered by their domestic health insurance. This is absolutely a misconception because your local insurance will not cover you when you travel abroad. Therefore, if you travel abroad on a short visit without adequate short term health insurance policy, believing that unexpected cannot happen, you will be responsible for the whole expenses you may incur on medical care, should unforeseen events happen.
The fact that cost of treatment is exorbitant abroad is why a lot of travelers who are on short visit or stay abroad obtain short term health insurance. Fortunately, scores of perfect short term health insurance policies are available for interested travelers. These policies will offer you adequate cover when you travel abroad.
On the other hand, you will have the chance of selecting the amount of coverage, deductibles and other important choices for your individualize plan, no matter the country from where you are traveling. Interestingly, as far as short term health insurance is concerned, there is no discrimination of country or creed. It is available for all categories of people worldwide.
Don’t ever assume that unexpected cannot happen when you travel abroad on a brief or short visit and fail to obtain short term health insurance cover as mostly done by many travelers. You can save yourself the huge medical bills you will pay in the event of sudden injury or illness by getting covered by adequate short term health insurance. Perfect short term health insurance policy is obtainable from insurance companies of good reputation which you can discover through internet search, reviews and testimonials of previous users.
The short term health insurance cover is the type of cover that is needed to bridge gap between coverage. It is worthwhile to purchase sufficient insurance when traveling abroad in order not to pay high medical bills when the unexpected happens. Due to the fact that the major portion of the medical expenses has been taken care of by health insurance, a lot of people don’t know the actual cost of medical care. Therefore, if you travel abroad without adequate short term health insurance and illness or accident strikes, you will end up returning back to your home country with huge amount of medical debts.
As a result, if you are a visitor traveling abroad on a short stay, it is essential for you to obtain short term health insurance policy. Also, when you travel abroad, different policies that are reasonable are available for you to buy. These policies will provide for your need if you are on a short visit abroad, it will equally give you the chance to select the amount of coverage, the deductible and a lot of other alternatives that are essential for your plan. No matter your country of residence, short term health insurance is for everybody.
Although short term health insurance policy depends on individual requirements, it will be for duration of a month to six months. However, you can renew short term health insurance to cover duration of three years. Interestingly, it is not difficult to process application for short term health insurance because the time is short as well. If you want to pay for your short term health insurance processing charges, you are allowed to use your credit card.
You also need to understand some fundamental information about short term health insurance policy. In a situation where you are out of employment, short term health insurance is necessitated to cover you throughout the time you are not working. In addition, you require this type of insurance if you are employed newly, if you retire early, if you are a new graduate or you are awaiting the approval of your standard health insurance.
The fact that short term health insurance policy is for a short term purpose make the premium to be low. There is the tendency that you will not fall sick or get involved in an accident in the short duration of the cover. In addition, the policy will cover hospital care, tests, surgery, prescribed medicines and visit to the doctor as well as other mental care. All the same, be sure that you are vast with the coverage before you buy your short term health insurance policy in order for you to buy the right policy.
A medical emergency can happen at any time and you can find yourself in a serious problem if you don’t possess a health insurance policy. Nevertheless, you will be assisted in choosing a good insurance cover wisely with short term health insurance quotes. Many short term health insurance companies that provide diverse offers with diverse advantages and disadvantages are available in the market today. For this reason, you need to choose the short term health insurance policy that is the most appropriate for your situation.
On the other hand, to get the best coverage, you must ensure that you are paying the least amount of money. Therefore, you need to research very well for this having it at the back of your mind that a tranquil mind and adequate knowledge can get you the best deals. Furthermore, it is important to first decide the plan and its validity, if you are searching for the best short term health insurance quotes and this can vary from one month to one year and you just have to pick based on your requirements.
Nevertheless, if you do not have the benefits of the health insurance, short term health insurance is perfect for you. Short term health insurance policy will provide you coverage on usual prescriptions, medical examinations as well as other expenses. In addition, this insurance policy will cover major injuries and illnesses.
To get the best short term health insurance quotes, the internet can be very useful to you. This is because there are a lot of insurance companies that will give you diverse short term health insurance quotes that will vary according to your conditions and needs. Since these quotes will provide you with much useful information, they are extremely necessary. On the other hand, these insurance companies normally have their associate agencies all over the country to offer you short term health insurance quotes.
On the internet, you will have the opportunity of enjoying the facility of looking out for the quotes of diverse companies rapidly. You will also have the benefit of evaluating different quotes provided by diverse insurance companies at the same time. Consequently, the internet is without doubt one of the best places to search, if you are grave about short term health insurance quotes.
The short term health insurance plan is the most suitable policy for that medical staff that have been called up on short notice or are working abroad temporarily. The fact that the cover can be arranged in less than a day with the term of coverage being available for up to a six month term; together with the possibility of extension if the employment needs an added length of time to be completed are that major advantages of short term health insurance policies.
It is only discreet to make sure that you are covered with short term health insurance in case of any eventuality, with any overseas travel, whether for leisure, business or work. This condition is none more, as a result when medical staffs are coming to a country for the recovery program following a key earthquake for instance, where the risk level related with personal mishap or property loss is increased. There are several types of policy obtainable on the market which makes selecting the most appropriate policy and cover the utmost importance.
A lot of countries depend on temporary medical staff to cover the shortfall, making sure that the public has access to adequate and professional healthcare services due to the worldwide shortages of medical professionals throughout the world. The need for temporary medical staff increases exponentially when times of emergency hit just as in the situation of the seismic events in Christchurch that got the massive attention of the media, as the existing supplies turn out to be overworked and additional staff are needed not only to ensure that normal levels of healthcare provision is provided, but also to help with the increased workload resulting from such emergency.
Fortunately, short term health insurance is affordable and cheaper than the major medical plans. On the other hand, the power to provide versatility and secured coverage in times of emergency and sudden change is why short period of health insurance is popular. Short term health insurance is one of the most valuable policies for medical staff that require traveling on short notice. You should seek advice from experts when considering your options for short term health insurance.