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Which Is Better For Me: Short-Term Or Long-Term Health Insurance

Updated On May 05, 2022

When purchasing health insurance, you have the option of selecting a short-term health plan that lasts 3 to 6 months or a long-term health plan that lasts more than a year. Your decision should be guided by your medical needs as well as the length of time you intend to use the benefits. If you have a long-term health insurance policy, such as a critical illness or family floater plan, it serves a function.
In response to the coronavirus pandemic, insurers have developed COVID-19 short-term health insurance, which varies from current short-term coverage. So, before purchasing health insurance online, it's a good idea to grasp the differences. Continue reading to find out more about the difference between short-term and long-term health insurance.

Which Is Better For Me: Short-Term Or Long-Term Health Insurance

Who Should Think About Buying a Short-Term Health Insurance Plan?

Short-term health insurance coverage is perfect for satisfying emergency insurance requirements. For example, in the event of a job transfer, a COVID-19 epidemic, and so on. Temporary medical insurance fills the temporary gap in medical coverage that occurs during the transition period.

1. These programs might last anything from three months to a year.
2. They are an excellent way to pass the time while exporting your health insurance plan and being insured throughout the portability period.
3. Enrolling in a short-term healthcare program means you won't have to worry about any unexpected medical issues during that time.
4. Short-term health insurance is ideal for students who are only in school for a short period of time, as well as NRIs (Non-Resident Indians).
5. People choose short-term health insurance policies because they need lesser rates. Furthermore, insurance premiums are tax-deductible under Section 80D of the Income Tax Act of 1961.

Who Should Think About Buying Long-Term Health Insurance?

Everyone can benefit from long-term health insurance coverage. Purchasing long-term health insurance coverage has several advantages. To begin, you might choose insurance for a longer length of time, such as one to three years. You will not have to renew your insurance on a regular basis. If you have short-term insurance, you must renew it on a regular basis or you will lose the 'No-claim-bonus,' which is awarded for not submitting a claim during the policy period. The sole distinction is that long-term health insurance costs more than short-term health insurance. The cost is higher since the advantages are more extensive and endure for a longer period of time. Individual health insurance policies for the long term, critical illness insurance policies, women's health insurance policies, maternity insurance, and so on. Long-term medical insurance policies outperform short-term medical insurance policies in terms of coverage advantages. Long-term plans provide medical insurance to a certain type of policyholder based on their needs. Because it is valid for a longer period of time, long-term insurance provides more complete coverage. Such systems might include room rent waivers, daily hospital payments, maternity benefits, and other perks.


After learning about their benefits and downsides, we discovered that each type of health plan has its own set of advantages. We are all aware of the significance of health insurance in India, whether long-term or short-term.

Also Read:  Frequently Asked Health Insurance Questions, Answered!


This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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