Learn More About Your Short Term Medical Coverage

Please note, our Short Term Medical insurance is intended for temporary gaps in health insurance.  It is not compliant with the federal Affordable Care Act and does not cover expenses related to pre-existing conditions. 

Thank you for choosing to partner with us for your temporary medical insurance needs! Please use this resource page to learn more about your new policy. Start by watching the video below, which provides details on your new policy.

* If you have trouble viewing this video, you may read the transcript here.

Important Notes About Your Policy

  • Pre-Existing Conditions
    Our Short Term Medical Insurance (STM) policies do NOT cover pre-existing conditions. The lookback period varies for each state. Check your policy documents for details.
  • ACA Non-Compliance
    Our STM policies are not compliant with the federal Affordable Care Act. You may be subject to the tax penalty if you do not have qualified health coverage. Consult your attorney or tax professional to determine if the ACA requirements are applicable to you.
  • 72-Hour Illness Waiting Period
    Any claims for illness-related medical expenses incurred in the first 72 hours after purchase will not be covered. Injuries are not subject to this limitation.
  • Routine Physical Exams
    Our STM policies do not cover routine physical exams or any other wellness benefits including check-ups, sports physicals, or treatment of seasonal allergies.
  • Prescription Drug Coverage
    Prescription drugs are not covered except during a covered hospitalization. No outpatient prescriptions are covered.

Frequently Asked Questions

How do I cancel my policy?
Email [email protected] with your full name, policy number, date of birth, and your request to cancel. You may cancel your policy within 10 days of your effective date for a full refund (30 days for Indiana).
Is there a waiting period for services?
Other than the 72-hour limitation mentioned previously, items such as tonsillectomy, hysterectomy, or herniorrhaphy are not covered for the first six months of the policy in some states. Check your policy documents for a complete list.
How do I file a claim?
Follow the instructions found on our How to Submit a Claim page. Claim forms are found on our claim downloads page.
How does the claims process work?

After you submit a claim, you will need to login to Client Zone and fill out a Claimant’s Statement. In the case of an accident, you will also need to complete the Accident Questionnaire in Client Zone. After we receive the form(s), a Claims Examiner will review the case to check for eligibility and request medical records for verification if necessary. Once all information that has been requested is received, the claim will then be marked as approved for payment or denied as ineligible. Explanation of Benefit forms will be mailed to the insured to notify them of the decision.

Who do I contact if I need help?

Cancellation Request

After reading the information on this page, if you feel this insurance does not meet your needs, you may cancel your policy within 10 days of your effective date for a full refund (30 days for Indiana). To submit a cancellation, email [email protected] with your full name, policy number, date of birth, and your request to cancel.

Related Links


Tokio Marine HCC - Medical Insurance Services Group (MIS Group) is a service company and a member of the Tokio Marine HCC group of companies. Tokio Marine HCC - MIS Group has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's Syndicate 4141, which is managed by Tokio Marine HCC – International Group.