Long-term health insurance is very saving, which saves the trouble of underwriting every year. The guarantee period for the insured can last until the death, which is closer to the ideal of "worry-free life" for consumers. However, the premium of this kind of insurance is relatively high, and the purchaser must have a certain economic foundation. It should also be noted that long-term insurance actually has a basic insurance limit, that is, the total amount of subsidies does not exceed the total amount of accounts.
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The short-term health insurance has a guarantee period of one year, which is basically pure consumption. Its biggest advantage is low premium and high security. But if the insured is not out of danger, the premium paid will be in vain. In addition, this kind of insurance often has an age limit. The renewal age of most products is only 65 years old, after which all protection will be terminated.