Buying accident insurance is mainly to reduce losses and risks. If you buy a long-term accident insurance, you need to consider your own financial problems, because the payment time of long-term accident insurance is generally longer.

For ordinary one-year accident insurance, you only need to consider your own accident risk and comprehensively choose the accident insurance that suits you according to your own accident risk.

You can take a look at the accident insurance strategy (/ulbttivxcedorsr/item/362043E520D74D3264D0021), which contains some product recommendation and insurance techniques for your convenience!

I hope my answer is helpful to you!