If you are confused as to which policy to go for or you are awaiting certain medical results
, you can fill the gap by taking a short term insurance which will take care of unforeseen events while you are deciding on what policy to take up. The only real disadvantage of short term insurance is that it doesn't cover for pre-existing conditions. Hence while you look for a policy that provides best coverage for pre-existing conditions, you can take care of the rest of the indecisiveness with the short term plan.