Short term plans have several advantages such as:

• 1. No need for physical examination.
  2. Application process is very simple with minimum paperwork.
  3. The health coverage becomes effective as soon as the company receives your first premium.

Besides this there are certain disadvantages:

• 1. Pre-existing health conditions are not covered under this plan.
  2. Childbirth and pregnancy bills are not covered under these plans.
  3. A person with pre-existing bad health conditions may find difficult to get this policy and if he finds one then it will be costly.

Short-term policies are only temporary measures and for regular health insurance cover, long-term policy is must.