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INTERNATIONAL HEALTH INSURANCE |
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SHORT-TERM INSURANCE AND THE “BENEFIT PERIOD”
Often when choosing a short-term plan we only focus on the daily or monthly
premium. But there are many other matters that are of vital importance. We
need to ask ourselves what is the deductible? What is the maximum coverage?
How is pre-existing condition defined? Is there any provision for unexpected
recurrence of a pre-existing condition? Can the plan be renewed? Can it be
renewed online? And another vital question is, “What is the benefit period?”
The “benefit period” defines the amount of time a short-term plan covers an
individual from the time of injury or sickness. If you were on a short-term
plan and were injured one day before you came back to the USA and your
insurance ended, would you have any coverage? On most plans you will be
covered for six months from the time of injury. This is the “benefit
period.” Also, be aware that some insurance companies scale back on maximum
coverage if the benefit period is in the USA. If the plan you are choosing
does not have a good “benefit period,” it would be wise to look at another
plan. You can see a wide variety of short-term plans that we have available
at
http://www.gninsurance.com/short_term.asp . Back
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| Need Help? Call 480/813-9100; Fax 480/813-9930; Email: info@gninsurance.com |
