Short term or temporary major medical insurance is an ideal, affordable type of medical insurance for those who are unemployed, in between jobs, recent college graduates, in need of medical coverage. Temporary major medical insurance plans are available with a variety of options. Individuals opting for this plan are mostly allowed to select doctors and hospitals of their own choice.

Temporary major medical insurance coverage for individuals and families is available from 6 months to 65 years of age. It includes benefits such as inpatient and outpatient coverage, doctor office visits, surgical fees and laboratory fees. Provision is there to select the policy for a specified term, temporary or renewable. One can also choose the period of coverage from 1month to 6 months. Simple applications, credit card acceptations, guaranteed rates, prompt claims payment, superior toll-free customer service etc are some of the additional benefits.

Short-term major medical insurance provides reliable and inexpensive coverage for most injuries and illnesses. The importance of short-term insurance comes in situations such as a change in ones job or schooling status. One can opt for the short-term health insurance if one is healthy and unemployed, employed part-time, going to school, graduating from college, leaving for home first-time, or even retiring early.

Travel health insurance is another type of temporary major medical insurance that is suitable for those who are thinking about leaving the home country for business purposes or pleasure. This international health plan is available for students as well. The travel health insurance plan offers over 12 international travel and medical plans.

Temporary major medical insurance plans can be renewed in most of the states. These plans are more cost effective when insurance is needed for short periods of 6 months or less. The drawback of this scheme is that if the insured is hospitalized during the coverage period, renewal may not be possible and it might even render him / her ineligible for permanent insurance.