Health risks are unpredictable. Health is a long-term process, and no one can guarantee that he will not get sick all his life, especially a serious illness, which will easily lead to poverty due to illness. With insurance, he can completely resist the corresponding health risks.
2. Premium. With the growth of age, the premium for purchasing health insurance will continue to rise. It is relatively more cost-effective to directly insure health insurance with a long guarantee period than to buy short-term health insurance, and it is more cost-effective to insure after the expiration, and the premium paid is relatively less.
3. Physical examination. Another point in choosing long-term health insurance is to avoid frequent physical examinations. If you choose short-term, you may have to be insured many times and face multiple physical examinations. Once there is a problem with the medical examination, it may be charged by the insurance company or even refused insurance.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.