Short-Term Health Insurance

With technological advancements in India, the health insurance industry has evolved significantly over the years. Short-term health insurance is one of the many new offerings provided by insurance companies in recent times. Let’s explore short-term health insurance and know its coverage and benefits.

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      What is Short-Term Health Insurance?

      Short-term health insurance is a type of health insurance policy that provides medical coverage for a short duration of less than 12 months. It is designed to provide temporary coverage for medical emergencies or sudden illnesses. Compared to regular health plans, short-term health insurance plans are more affordable and can be extremely helpful for people without a stable job.

      However, short-term health insurance plans usually do not cover pre-existing diseases, maternity expenses or critical illnesses.

      Benefits of Short-term Health Insurance Plans

      Some of the most important benefits of short-term health insurance plans are as follows:

      1. Low-cost Premium

        The premium of a short-term health insurance plan is comparatively lower than the premium of a regular or long-term health insurance plan. Thus, people can obtain medical coverage without paying a hefty premium.

      2. Easier to Change Plans

        Short-term health insurance plans have a shorter tenure. Therefore, if somebody is not satisfied with the terms and conditions of their health policy, they can change the plan or port to a different insurer to fulfil their medical requirements.

      3. Fills Temporary Coverage Gap

        A short-term health insurance policy is highly beneficial for people with a coverage gap. For example, people who have missed their health policy renewal or someone who recently left a job.

      4. No Claim Bonus

        Just like regular health plans, a No Claim Bonus (NCB) is granted to policyholders with short-term health insurance who did not raise a claim in the previous policy year. The NCB can be used to earn a renewal premium discount or an increase in the sum insured amount.

      5. Ease of Purchase

        Buying a short-term health insurance plan is extremely easy, as most people do not have to undergo any medical check-up before policy issuance. Moreover, just like long-term health insurance plans, they can also be purchased online within a few minutes.

      What is Covered by Short-Term Health Insurance?

      The following medical procedures are covered by short-term health insurance plans:

      1. Hospitalization expenses
      2. Day care treatment
      3. Ambulance charges
      4. Organ donor expenses
      5. Surgery and operation theatre expenses
      6. Pre and post-hospitalization expenses

      Who Should Purchase Short-Term Health Insurance?

      Short-term health insurance plans are ideal for the following people:

      • Individuals staying for a short time in India
      • Individuals who are in between jobs
      • People looking for temporary but affordable health cover

      Differences Between Short-Term and Regular Health Insurance Plans

      Take a look at the key differences between short-term health insurance and regular health insurance plans:

      Categories Short-Term Health Insurance Regular Health Insurance
      Policy Tenure Between 3 months to a year 1 year
      Pre-existing Disease Coverage Pre-existing conditions may not be covered Pre-existing conditions are covered after the waiting period has passed
      Premium Premiums are comparatively lower Premiums are higher than short-term health insurance plans
      Add-on Covers No add-ons are available Add-ons can be added to the policy

      To Summarize

      Short-term health insurance is beneficial for people seeking temporary medical coverage. Therefore, people interested in purchasing short-term health insurance must compare plans offered by different insurance companies before purchasing one.

      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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