How Soon Can You Use Health Insurance?

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   Mark Taylor

   Licensed Life Agent, Life and Finance/ 50 States, New York

   How soon depends on the kind of health policy you apply for. There is short term which will take at least 5-15 days for approval. Then there is the major medical plan that has to be reviewed including your medical records to qualify you for which coverages then some may even have waiting periods until you may use the policy. Then there is indemnity which is cash payment to the policyholder which starts as soon as the policy is approved within a day or two. It is mainly accident and sickness and critical illness with no waiting period.

   Answered on December 12, 2013

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