The invention discloses a human health monitoring system and method based on an intelligent terminal. The human health monitoring system comprises a health monitoring shirt and the intelligent terminal, the health monitoring shirt comprises a shirt body (1), front end detection equipment and a micro-control unit (2), the front end detection equipment comprises a body temperature detection module, a pulse detection module and a falling-over detection module, and a microcontroller is connected with the intelligent terminal through a wireless communication network. A body temperature analysis module, a pulse analysis module and a falling-over judgment module are arranged in the microcontroller. According to the human health monitoring system and method, whether the body temperature and the heart rate of a monitored object are normal or not and whether the monitored object falls over or not can be judged, the intelligent terminal of a guardian can be timely informed when the health state of the monitored object is abnormal, the monitored object is remotely monitored by the guardian, the pressure of the guardian is reduced, and time of the guardian is saved. A pulse detection probe is arranged at the position of the heart, body temperature detection probes are arranged at the positions of the armpits, an accelerated speed sensor is arranged on the neckline of the shirt, and the monitor result is high in accuracy and good in reliability.