Assurant Health Short-Term Insurance
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Purchasing Additional Short-Term Medical
The Assurant Health Short Term Medical plan from Time Insurance Company is not renewable. However, if your temporary need continues beyond your policy period, you may apply for a new plan under the following circumstances:
- There has been no significant change in your health.
- Any previous or current health condition or symptom will be considered a pre-existing medical condition that will not be covered under a new plan.
- There is no continuous coverage between plans -- therefore your new plan will not provide benefits for any condition or symptom which began during a previous plan.
- In addition, no benefits are available for any period in which you are not covered by a Time Insurance Company Short Term Medical plan.
- To obtain an additional plan, you must complete a new enrollment form. If the enrollment form is approved, a new plan will be issued.
Unlimited Additional Policies
There is no limit on the number of Assurant Health short-term medical policies you can purchase -- either consecutively or non-consecutively. However, you shouldn't overdo it (see below).
Short-Term Plans not a Long-Term Solution
We strongly advise any consumer against a health insurance strategy of repeatedly buying short-term policies to provide longer-term coverage. If you do this and you experience the misfortune of a serious medical condition, you could find yourself uninsurable upon expiration of your short-term plan.
Short-term medical coverage is designed to fill temporary gaps in permanent health insurance. Don't use short-term plans as a replacement for permanent health insurance.
