Buy Health Insurance Policy
Switch to Digit Health Insurance.

I agree to the  Terms & Conditions

Port my existing Policy

How to Choose Between Long-Term and Short-Term Health Insurance?

What is a Short-Term Health Insurance Plan?

What is a Long-Term Health Insurance Plan?

The Difference Between Short-Term and Long-Term Health Insurance Policies

Particulars

Short Term Health Insurance

Long Term Health Insurance

Policy Period

Less than 1 year

More than 1 year

Premium

Lower when compared to long-term health insurance

Higher than short-term health insurance

Coverage

Specific expenses are covered, ex. hospitalization for a particular illness

Covers hospitalization for a wide range of illnesses and treatments, as well as various other benefits.

Pre-existing Conditions

Usually not available

Available

Add-on Covers

Usually not available

Available

Suitable for

People who are looking for short-term coverage, ex. NRIs or international students, or coverage for specific illnesses like COVID-19.

People looking for long-term protection or comprehensive coverage.

What Are the Pros and Cons of Short-Term Health Insurance?

What Are the Pros and Cons of Long-Term Health Insurance?

Frequently asked questions