Types of Health Insurance

Major Medical /
Health Insurance

Types of Travel Insurance

Trip Delay or
Cancellation Insurance

Travel Medical
Insurance

Products from Assurant Health
(formerly Fortis Health)

Underwritten by Time Insurance
(formerly Fortis Insurance)

Assurant Health - Time Insurance
110 years old.
Nothing but health insurance.
No insurance company
in the country sells more
temporary health insurance.

Personalized Short Term Health Insurance

What's Covered Under a Short Term Health Insurance Policy?

Short Term health insurance is designed to protect you and your family immediately from the high cost of unexpected illnesses and injuries.

Our temporary health insurance plans let you choose your own doctors and hospitals and pay for all covered health expenses once your deductible, coinsurance and, where applicable, co-payment amounts have been met. You can customize your health insurance plan to meet your needs and the needs of your family.

Short Term health insurance covers major hospital, health and surgical expenses incurred as a result of necessary care for a covered illness or injury* up to a policy maximum of $5 million**. Can you afford to be uninsured?

Short Term health Insurance Covers the Following health Services:

Prescription drugs
Inpatient hospital services
Outpatient hospital services
Health care practitioner services, surgical and anesthesia services
Reconstructive surgery
Inpatient rehabilitation programs
Skilled nursing facility care
Home health care
Outpatient physical medicine services
Ambulance services
X-ray and laboratory services
Durable health equipment and supplies
Blood product transfusions
Temporomandibular joint (TMJ) or craniomandibular joint dysfunction
Transplantation benefits

It only takes minutes to get customize free, no obligation
temporary health insurance quote!
The application process is fast & easy.
Apply online now for affordable short term health insurance.

Plan Limitations
Short Term health insurance is designed to protect you in the event of an unexpected new illness or injury. Because of this, coverage for preventive care, physicals immunizations, dental or eye care are not covered.

Plan Exclusions
While temporary health insurance policies vary by state, the following general summary outlines expenses that are not covered by this short term health insurance plan.

Pre-existing conditions
Intentionally self inflicted sickness or injury
Free services provided by a federal, veteran's, state or municipal hospital
Dental treatment unless a hospital stay is required
Eyeglasses, contact lenses, eye exams
Artificial hearing devices
Preventive treatment including routine physical exams and immunizations
Normal pregnancy or childbirth
Routine well-baby care including hospital nursery charges at birth or abortion
Cosmetic treatment
Treatment, repair or removal of tonsils or adenoids, except as an emergency
Treatment or services required due to injury received while engaging in any hazardous occupation or other activity regardless of whether compensation is received
Treatment or services required due to injury sustained while participating in any interscholastic or inter-collegiate sport, contest, or competition or while practicing exercising, undergoing conditioning or physical preparation for any such sport, contest, or competition
Treatment or services required for Sickness or Injury resulting from consumption abuse or overdose of alcoholic beverages or any illegal or controlled substance
Expenses incurred outside of the United States or its possessions or Canada
Services or supplies for foot care, including care of corns, bunions, or calluses

Although the above provides a good description of the important features of a short term health insurance plan, this is not the insurance contract and only the actual contract defines coverage. Exclusions may vary by state and by the terms of the insurance contract. The policy itself sets forth in detail the rights and obligations of both you and the insurance company.

*A covered illness or injury is an expense that is: 1) incurred for services, treatment or supplies prescribed by a physician; 2) incurred by a covered person as the result of illness or injury; 3) incurred for healthy necessary care; and 4) incurred while this policy is in force.

**$5 million lifetime maximum on policies up to 6 months in duration; $2 million lifetime maximum on policies up to 12 months in duration

It only takes minutes to get a free, no obligation
temporary health insurance quote!
The application process is fast & easy.
Apply online now for customized short term health insurance.