Short Term Health Insurance

Short term health insurance plans are ideal for people who live in the United States of America and are availing the COBRA insurance. It is also recommended for those who are in between jobs or waiting for another health insurance to become effective. Apart from these, certain other people like fresh college graduates can also opt for short term health insurance. Short term health insurance is designed to provide cover against sudden mishaps, accidents or illnesses. These generally do not contain benefits like immunizations, preventive care, etc. short term plans do not cover pre existing medical conditions.

Under short term health insurance you can claim coverage up to 2 million dollars for medical expenses. You also have the liberty to choose any doctor that you want to consult. The hospital will also be of your choice. The term period is also customized. You can choose from 30 days to 365 days.

On the other hand, visitor’s health insurance is slightly different. It is almost the same as health insurance only with the difference that it is applicable for those traveling outside. It provides compensations for health related expenses. All hospital expenses and doctor fees are covered under visitor’s health insurance. Cost of operations, surgeries, etc. are all covered for in visitor’s health insurance.

Both these insurance plans-short term health insurance and visitor’s health insurance are very important. Short term insurance however has certain criteria to be fulfilled. It is applies to US residents who are less than 64 years of age. These applicants must also satisfy certain checkups before they avail health insurance.

Both short term health insurance and visitor’s health insurance cover for hospital and operation fees, doctor’s visits, lab fees, organ transplants, etc.