An affordable temporary health insurance plan is a perfect solution for a person especially when he/she is in need of a short-term medical insurance policy. As the name implies, these policies are affordable and temporary. Small cost, fast purchase process and high coverage amounts are the merits of this health insurance facility. While some plans now offer coverage for up to 36 months, most temporary health insurance plans offer services for periods as short as 1 month or up to 12 months.

It assures short term medical coverage needed to pay for unforeseen illnesses and injuries. Albeit with sub-limits and special conditions, most affordable health policy services include surgery, hospital care, emergency services, diagnostic tests, prescription drugs, follow-up office visits, and even limited mental health. Since affordable, this plan coverage does not finance preventative care such as physical exams, immunizations, and PAP tests.

An affordable temporary health insurance can meet the requirements of people between jobs, part-time or temporary workers, those who can't afford COBRA (Consolidated Omnibus Budget Reconciliation Act), dependent child coverage only, new employees in their waiting period, and college students or new graduates.

Challenge in the insurance business field has now driven the cost of temporary health insurance down to much below the cost of a monthly car payment. Most insurance companies and agents provide a 30-day guarantee period of satisfaction. In case clients are not satisfied with this policy, they will refund 100% of the premium within this time frame. The fact is that to get the money back during this period, one should not have charged any claims.

The American Health Shield, the Celtic Insurance Company, the Security Life Insurance Company, and the Assurant Student Health Insurance are some among the accepted insurance industries and agents, who offer affordable temporary health insurance.