Need For Short Term Medical Insurance Plans

November 4th, 2009 by Ray Sondeo

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Everyone requires an assurance of safety and security while we are scouting for that perfect insurance coverage. However, a lot of things need careful consideration before we zero in on a particular insurance policy, affordability and coverage being primary concerns. The short term insurance ensures financial safety and security even when we are not covered by a long term policy for an extended period of time.

Assurant health short term medical insurance policy incorporates extremely smart and affordable coverage options that are ideal for covering a brief period of time. The coverage options are effective irrespective of the presence or absence of any primary policy coverage, granting optimum financial protection. Ideal for brief periods of professional intervals or during temporary lay-offs, this policy offers a future-proof contingency plan, ensuring effective financial safety.

Assurant short term medical insurance policy facilitates options for applicable deductible amounts, coinsurance and provides support for next-day coverage. The coverage tenure of the policy could range from 30 to 360 days, as per personal policy expectations/requisites. This insurance policy also facilitates payment by affordable monthly installments, and a 20% discount if paid upfront. The policy also facilitates personalized, preferential options for hospitalization and physician’s consultations.

Assurant temporary insurance does not include treatments for pre-existing medical conditions or manifestations of the same under policy coverage. This insurance policy also does not provide benefits for preventive care, routine diagnostics, immunizations, dental or eye care.

Golden Rule short term insurance policy offers comprehensive insurance coverage for short periods which is not primarily covered by a policy. The policy facilitates inclusive emergency coverage at extremely affordable prices, assuring the subscriber of unparalleled policy service even outside national boundaries.

The Golden Rule medical insurance policy reimburses expenses for hospitalization (semi-private room) and emergency medical treatment. The policy coverage also includes charges for diagnostics, prescribed therapeutics and essential ancillary utilities like ambulance transport and intensive care. Necessary expenditure for tissue and organ transplants (as necessitated by the nature of the emergency) is also covered.

Golden Rule short term medical insurance coverage does not include dental treatments, pre-existing medical conditions, pregnancy and maternity care or existing illnesses requiring hospitalization. The policy also does not include routine check-ups, diagnostics and preventive treatments.

Residents of the U.S., who are under 64 years of age can avail of short term medical insurance coverage. A short medical questionnaire is to be answered by the applicant before coverage is approved. Policy maximums range from $750,000 to $2 million.

Ray Sondeo often writes about short term insurance.

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