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Yes short term car insurance

Car and Household Insurance

Insure your assets against damage, loss and liabilities on a Short Term Insurance policy with South Africa's leading Insurance Companies. You can include car insurance cover, household content, buildings (homeowners insurance), All Risks, motorcycles, watercraft, caravan/trailer and more.

Policy Features + Optional Cover

  • Credit Shortfall - Difference between market value of car and settlement amount.
  • Excess Waiver - No excess to pay when you have a claim.
  • Voluntary Excess - Reduced monthly car insurance premium, but additional excess when you claim.
  • Car Hire - Up to 30 days when you have a valid claim.
  • 4x4 Insurance - Extended off-road cover for 4x4 vehicles.
  • Emergency Benefits - 24/7 Roadside, Home and Medical Assistance.
  • Designated Driver - A personal driver taking you home in your car, twice a year - 50km limit.
  • TyreSure - Pays up to R5 000 per tyre or R10 000 per claim.
  • ExcessSure - Covers your car insurance excess up R50 000 per incident.
  • WindscreenSure - Covers up to R2 500 of motor glass excess.
  • ScratchSure - Pays up to R2 000 per dent or scratch.
  • GeyserSure - Comprehensive geyser insurance at only R30 per geyser.

Underwriters Of Policies

  • Santam
  • Hollard
  • Centriq

Get A Quote On Car And Household Insurance Here:

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General Details

Has an insurer ever refused any proposal of yours,
cancelled any policy (or section thereof), refused
to renew any policy (or section thereof) or imposed
any special conditions?
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If YES, supply details Invalid Input

House Contents

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Any burglaries?
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Security measures Burglar bars at all openable windows
Gates at all doors leading outside
Linked alarm (Monitoring)
Linked alarm (Armed response)
Electric fencing
Complex with controlled access
24-hour security guards
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All Risks (Unspecified)

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Other Items

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1st Vehicle Information

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2nd Vehicle Information

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Short-term health insurance plans are designed to fill temporary coverage gaps for people in transition -- like recent college graduates, people between jobs and early retirees. You choose the term when you buy the policy - anywhere from one to 11 months in most states and up to four or six months in others.

But these plans aren't just temporary versions of the standard individual health insurance plans you buy from insurers and the government-run exchanges under today's health care reform rules. And they don't count as coverage to meet the federal government's requirement to have health insurance. You could still get fined a tax penalty for being uninsured, even if you have a short-term health plan for most of the year.

Limitations and exclusions of short-term health plans

Unlike the "metal plans" - bronze, silver, gold and platinum - short-term health plans don't have to meet Affordable Care Act (ACA) standards.

Short-term health plan shopping tips

Thinking of buying a short-term health plan? Here are some things to keep in mind:

  • Read the fine print of what the plan covers, and especially what it doesn't cover.
  • Understand how much you'll pay out of pocket. How much is the deductible? What percentage of covered medical expenses do you pay after the deductible? What is the maximum amount you will have to pay out of pocket?
  • Check the dollar cap on coverage -- the lifetime benefit maximum.
  • If the plan has a network of medical providers, make sure the network includes doctors and hospitals you would use.
  • Time the coverage period appropriately. The end of a short-term plan does not qualify you to enroll in a standard health plan outside the annual open enrollment period.
  • Understand that if you enroll in a short-term plan instead of choosing COBRA coverage, you will lose eligibility for COBRA after the short-term plan expires.

The ACA metal plans must cover an average of at least 60 percent of covered medical costs, and they must cap out-of-pocket expenses. They can't cap the dollar amount of annual or lifetime benefits you receive, and they must cover 10 essential health benefits, such as preventive and wellness services and maternity care. Finally, with the metal plans, insurers can't deny coverage or charge you higher premiums because of your medical history.

Not so with short-term health plans. With these plans, it's important to understand that insurers can...

  • Deny coverage because you have a health condition.
  • Exclude coverage for benefits deemed essential under health care reform, such as substance abuse treatment or mental health services.
  • Cap the dollar amount of benefits you receive.
  • Charge deductibles above the out-of-pocket cost threshold for metal plans.
  • Refuse to renew your coverage at the end of the policy period.

No government subsidies are available to help purchase short-term health plans, and you can't buy them through the government exchanges. Insurance companies sell them directly to consumers or through brokers or websites.

What short-term health plans cover

UnitedHealthcare, Blue Cross and Blue Shield and Assurant Health are among the insurers offering them. The plans vary widely in the services they cover, deductible and coinsurance amounts and the dollar caps on coverage. Like traditional plans, many short-term plans have medical provider networks. You pay more out of pocket to use out-of-network than in-network doctors and hospitals.

Short-term health plans from UnitedHealthOne, a UnitedHealthcare company, for instance, feature a choice of deductibles from $1,000 to $10,000. The least expensive plan covers outpatient doctor visits for injury and illness, x-ray and lab work, mammograms, pap smears and PSA screenings, hospitalization, emergency room visits for injuries and emergency visits for illnesses if you're admitted to the hospital. It pays 70 percent of covered medical expenses after the deductible. The plan does not cover outpatient prescription drugs, preventive care or mental health services, and it caps lifetime benefits at $250,000. The most expensive plan pays 80 percent of covered services after the deductible, includes prescription drug and mental health coverage, and has a $1.5 million lifetime benefit maximum.

Temporary health plans generally have lower monthly premiums than the metal plans – if you don’t count any government subsidy you might qualify for to purchase an exchange plan.

Less coverage and lower premiums

A six-month short-term plan with a $5,000 deductible could cost a 30-year-old Los Angeles man as little as $99 a month, according to an analysis in late November by HealthPocket, a Sunnyvale, Calif., company that ranks and compares health plans. The least expensive bronze plan with a $5,000 deductible offered on the California exchange would cost the same man $175 per month.

Short-term health plans may appeal to people who want coverage for catastrophes but are willing to sacrifice other benefits to get a lower premium, says Martin Rosen, cofounder of Health Advocate in Plymouth Meeting, Pa., a service that helps individuals and employers navigate the health care system.

"I think it would come down to economics and circumstances," he says. Even if they have to pay a tax penalty for being uninsured, "the math could still work out."

But, he adds, "People should understand the limitations of the plans."

The plans are not intended to be a substitute for permanent coverage.

The target market is "people who truly have a short-term need for coverage, for example are in between jobs and are without coverage for 30 to 60 days," says Maryann Schultz, a spokesperson for Blue Cross and Blue Shield of Illinois. The insurer offers SelecTemp PPO, a one- to six-month plan with deductibles ranging from $500 to $5,000.

They could also fill a coverage gap for people who missed the open enrollment deadline for the metal plans and need bridge coverage until the next open enrollment period, Schultz says. You can purchase a short-term health plan at any time of the year from these top health insurance companies.


If you were to become disabled tomorrow and couldn't work for two or three months, would you have enough savings to cover your living expenses during that time? If not, you may want to consider short-term disability insurance.

According to the Council for Disability Awareness, more than one in four people in their 20s will become disabled before retiring. Also, one in eight workers can expect to be disabled for five years or more before retirement. Statistics like that should make short-term disability insurance a vital piece of your overall financial plan.

What is short-term disability insurance?

Rodents chewing car wires insurance adjusterShort-term disability insurance pays a percentage of your salary if you become temporarily disabled, meaning that you are not able to work for a short period of time due to sickness or injury (excluding on-the-job injuries, which are covered by workers compensation insurance). A typical short-term disability insurance policy provides you with 60 percent of your pre-disability base salary, according to America's Health Insurance Plans, a trade group.

The National Association of Insurance Commissioners estimates that these benefits generally last between three and six months. Most short-term disability insurance policies have a "cap," meaning you receive a maximum benefit amount per month. Short-term disability insurance policies also have a limit on the amount of time you can receive benefits — up to two years, according to the Insurance Information Institute (III).

The average annual premium in 2013 for a new group short-term disability insurance policy was $214 per person, according to Gen Re's 2013 U.S. Group Disability and Group Term Life Market Survey. Short-term disability insurance, which is most often purchased as part of a group at work, can be paid by either the employer or the employee. Group short-term disability insurance policies are "guaranteed issue," meaning you do not have to take a medical exam to buy coverage.

Causes of short-term disability insurance claims

Here are the top reasons for short-term disability claims, according to an examination by disability insurer Unum of 2012 claims made by its customers.

1. Normal pregnancy, 19 percent

2. Injuries, 11 percent

3. Complications from pregnancy, 8 percent

4. Digestive disorders, 8 percent

5. Back disorders, 7 percent

6. Cancer, 7 percent

You can start receiving money from your short-term disability insurance policy with a waiting period of 0 to 14 days after becoming sick or disabled, according to the III. The actual time for coverage to kick in depends on whether you suffer an illness or injury. If you suffer an injury, your benefits will be paid immediately. If you suffer an illness, it may take longer because of the need to show that the illness is grave enough to be disabling.

For example, if you severely injure yourself by falling off a ladder at your house, your benefits would kick in immediately. However, if you suffer from a serious illness and can't go to work, your insurance may not kick in until eight days after you became ill. Your employer may have additional restrictions as to when your short-term disability insurance policy kicks in. For example, your employer may require you to use all of your sick days before you begin receiving payments from your short-term disability insurance policy.

You also may receive retroactive benefits if you have a condition that worsens over time. Let's say you have a cold and you took three sick days at work. If your cold evolves into pneumonia, hospitalizing you for three weeks and preventing you from performing your job duties, you could receive disability pay retroactive to your first sick day.

Long-term disability insurance kicks in after short-term disability expires. Here's more information on long-term disability insurance.

Who should buy short-term disability insurance?

Individual short-term disability insurance policies are available only on a limited basis, if at all. Your best bet is to buy short-term disability insurance coverage through your workplace. Some insurers sell "accident policies" that will pay you money each month for a year if you are injured in an accident.


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