Short Term Health Insurance Plan For Students Travelling Abroad

Short term health insurance plans are a boon for students who plan to visit for short durations

. These plans offer health coverage for periods ranging from a month to a year with the option of paying the premium as a single premium or in installments.

Although most students who travel abroad to study are usually protected by the policy offered by the educational institution to which they are attached, or by their parents policies, temporary health insurance is the option for those who do not have other coverage especially when they plan to study abroad.

What a short term health insurance plan covers

Short term health insurance is a non-renewable plan that provides medical coverage. This coverage can be for a few weeks or longer. Routine medical care and hospital costs are covered along with treatment in the event of accidents or unexpected illnesses. The student can seek treatment from a licensed doctor or a health care facility in the area. There is a maximum insurance limit under this plan with benefits such as surgery, ambulance charges, doctors consulting fees, diagnostic test charges and intensive care, depending on the plan chosen. Not all states offer these plans.

If you plan to study outside the US, you may not be able to get student health insurance but you can opt for short term medical insurance based on how long you intend to stay at your destination.

Benefits of a short term health insurance plan

One of the reasons students choose this is because it is cheaper than traditional medical insurance plans, while providing the required coverage. The policy is adequate and valid with any doctor or hospital in the US without restrictions about using a specific physician network. This is advantageous because without a policy spending out of your own pocket to deal with a sickness or hospitalization can be very expensive. While some plans cover preventive care tests that are usually listed in the policy, pregnancy and childbirth are not covered plans. Dental, vision coverage and preexisting conditions are also not covered. Also, if you develop any complicated health conditions during the policy you cannot get another plan after this policy expires.

Temporary health insurance are not a long term solution for health care, but when you are between two insurance plans, they give you continuous coverage. A typical scenario is where someone who is just out of college does not have coverage by his or her parents policy and has no job either. A short term health insurance plan will take care of any unexpected medical expenses that may arise at this time, offering the continuity until there is employer coverage or another long term plan.

Asking the right questions based on your specific needs and situation can help choose the right short term medical insurance plan.

by: Jeff Deutsch

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