1, the characteristic of short-term health insurance is that the protection time is relatively short, and the insurance premium for young people will be cheaper. However, short-term health insurance also has shortcomings. If the insured's physical condition changes, the premium may rise when re-insured. Moreover, consumers will also face the situation of product suspension, and short-term health insurance cannot be insured after suspension.
2. Long-term health insurance covers a long time and can provide protection for the insured for a long time. Moreover, long-term health insurance avoids the trouble of frequent insurance and frequent physical examination. But the premium of long-term health insurance is generally more expensive than short-term health insurance.