Short-Term Cover
Short gaps need thoughtful answers.
Short-term cover is designed for brief, well-understood gaps between longer-term plans. It can be useful in the right moment — and it is not a substitute for comprehensive coverage.
The use case
Useful in a gap, never a full plan.
Short-term plans are typically limited in what they cover and for how long. They may exclude pre-existing conditions, cap benefits and leave out services that comprehensive plans include. Sanaira presents them only alongside a clear long-term plan.
Typical moments
When a short gap usually appears.
Short-term cover is most often considered in three transitions — each with a known end date.
Between jobs
Your previous cover has ended and a new employer plan has a waiting period.
Moving
You are relocating and your new long-term options begin after the move.
Waiting for a start date
Another benefit — a new plan or programme — begins on a known future date.
A transition, mapped
Gap, bridge, and a checkpoint.
The bridge only makes sense with the long-term cover already in view.
- Week 0Previous cover ends
A job change, a move or a policy end date.
- Weeks 1–6The coverage gap
The weeks without a plan in place.
- BridgeA short-term option
Limited, time-bound cover with clear exclusions.
- CheckpointLong-term cover begins
A new employer plan or your own comprehensive plan.
Review carefully
Four things to read before you rely on it.
A short-term plan is only as useful as what it leaves out.
Exclusions
What is not covered, including pre-existing conditions and specific services.
Duration
How long the policy lasts and whether there is a hard end date.
Renewals
Whether it can be renewed, and whether terms change when it is.
Your care needs
Ongoing prescriptions or treatment may not be covered at all.
Your next step
Understand my next step.
Map your gap, your bridge and your long-term cover in one guided flow.