Mini split is essentially like central air, but without the ducts. It's a permanently installed system. They are good, but for the money they cost (couple grand) it makes more sense to pay double and get a full central air system. Though if a single room needs to be cooled more than another, mini split is a good alternative to noisy portable/window units.
My particular unit actually evaporates the water out, so there's no drain pan. Some have a drain pan which is quite a pain to use, some the pan does not even come out and you have to wheel the unit over and lift it into the tub and let it drain. Was reading reviews online on some before I bought mine.
Never gotten sick from standing in front of it though, it's a 1 ton unit for a room that's just under 100 square feet, so I'm pretty sure any bacteria that exists are frozen to death in there. I probably should clean it out at the start of each season though. If there's any standing water anywhere it can grow legionaries disease and stuff.