IHC Short Term Medical

IHC STM provides four distinct Short Term Health Insurance plans, Secure STM, Secure Saver STM, Secure Lite STM and Secure 12x3 STM. IHC STM is an ideal solution for

  • College student or just graduating
  • Part-time or temporary employee
  • Need a COBRA alternative
  • For unemployed/laid off/exiting employees

Coverage Period

The coverage options are available from 30 days to 6 or 12 months depending on the plan chosen. If the need of temporary health insurance continues re-application for another IHC STM coverage period can be availed subject to the state.


IHC STM is available to all the people who are between the ages of 18 to 64 and not entitled for Medicare. Their Spouses and dependent children under the age of 19 or 25 if full time student.


The deductible can be chosen from the available four options $500, $1000, $2500 or $5000. Only 3 deductibles are required per family before the plan pays for further expenses.


Coverage benefits are bound to usual, customary and reasonable charge for each covered expense. STM covers medical expenses such as Physician services, Surgeon services, Anesthesia services-Ray/Blood/Laboratory tests, Air ambulance and Ground ambulance services. The amount of coverage limit may vary for each plan.

Coverage does not include maternity care, vision care, dental care, routine physical exams & tests, preventive care & immunizations and treatments that are not medically necessary.

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