Most times, many people fear going into a long term insurance especially those that are new to the health insurance company. They fear of what they would meet. If you are planning to go for an insurance plan and you find yourself in this situation, then the temporary health insurance would be helpful.
The insurance company runs both the long term and short term health insurance. the temporary is an insurance within a short limited time that only lasts for few months. This type of insurance is usually like a testing insurance. you use it to test the reliability of an insurance industry. After the limited time is over, you may now decide we there to continue on a long term basis or you quit. It is worthy to note that it is not binding on you to remain in the contract till it lapses, but you can opt out at any time you wish not to continue.
In addition, the major difference between this type of insurance is the duration. The temporary health insurance usually spans from two months to eleven months, whereas, the permanent health insurance is for a long term. The permanent health insurance is renewed when the premium paid last expires. Unlike the temporary, here, your insurer cannot terminate the policy except with your permission.
However, with the daily increase in health services, it is advisable to get insured with a company that has agreeable terms. Although many complain of the high premium of the long term insurance, the temporary services is there to lift off this burden. No one knows when sickness could strike; therefore it is advisable to get one. In fact it may not be an illness sometimes, it could be an accident, but with the temporary insurance scheme, there is no cause to fret.
In addition, when going for a temporary insurance, there are some things that are very important to enquire. There are usually some exclusions and limitations. There are some medical challenges that are exempted from in the policy. As a result, it is good to make the entire necessary enquiry before going into it.
Also important to state is that the insurance scheme for the temporary services covers most hospital services like the test, diagnosis, surgery, follow up care and emergency care services. Although the above depends on the plan, the most usual plans include everything.
Lastly, the benefits of this type of insurance are more than these. However, it is important to make it clear here that the temporary health insurance is different from the short term medical insurance. Despite that, both plans have some similarities and they are the deductibles and co-insurance.