A short term health insurance policy is like a bridging policy that will provide you coverage at the time of transition, say from one job to another or if you are a student or a graduate who is no longer a benefited by his parent's health insurance policy.
As the name implies, a short term health insurance policy will provide coverage for a short period of time and therefore it is not a permanent solution. But, it does not mean that short term health insurance will not give you a good coverage, rather it will provide you with almost all the basic benefits that a regular health insurance provides.
Apart from that short term health insurance coverage is also designed for healthy individuals and families who do not need coverage for routine and pre-existing conditions; rather short term health insurance coverage can provide you with a low-cost safety net in case of illness or injury that might happen during the cover period.
Short term health insurance policy will provide you coverage for surgery, hospital care, emergency services, diagnostic tests and x-rays, prescription drugs, ambulance services etc. But it will not cover re-existing conditions, routine medical exams, dental care, pregnancy and childbirth, self-inflicted injury and medical expenses outside UK. Apart from that short term health insurance coverage will allow you to go the doctors and hospitals of your choice; this is an added benefit.
Short-term health insurance is generally available for periods of 30 to 80 days. Though you might be bale to renew your plan, it should be kept in mind that generally short term health insurance coverage cannot continue for as long as 12 months.
One of the major ingredients of a short term health insurance policy that appeals to many people is its low premiums. The main reason for its low premium rate is that this short term health insurance does not provide coverage to pre-existing conditions. So buying a short term policy will not cost much to your pockets.
But before purchasing a short-term health insurance policy, you have to undertake an extensive research of the insurance market. You have to collect quotes from various insurance providers that provide short term health insurance policies; compare them and when you are satisfied that a particular short-term health insurance policy is proving you with a good coverage, buy it.
Nowadays, many insurance providers have their own websites; and they provide you with adequate information. So go to these sites and search for a short-term health insurance policies. You can compare various coverage plan of different short-term health insurance policies and then buy a policy that will fit in to your budget and that will provide you with the required services.
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