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The 35-year-old Navya has been putting off buying a health insurance plan for quite some time. Despite knowing all about health insurance benefits, she found it hard to eke out money from her monthly salary to pay towards the policy.

If, like Navya, you’re also struggling with balancing your monthly budget with paying hefty insurance premiums, fret not. Here are a few tricks you can use to not just buy the best health insurance plan in India, while also saving some bucks!

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There are different types of health insurance plans available in the market. But before buying one, compare health insurance plans, so that you are able to get the best deal.  Talk to experts who can customize a plan depending on your needs. Read the policy fineprint to understand what you’re paying for, and do not pay for any unnecessary benefits.

But most importantly, to manage your premiums effectively, always look for plans that offer more features and value for money. For instance, take the Manipal Cigna lifestyle protection plan, which safeguards you and your family in case you lose your job. As for health insurance, seek out policies that let you pay only for what you use, offer unlimited restoration of sum insured and solid cumulative bonus which enhances your overall cover and most importantly, has no sub limits when it comes to your comfort.

Like the Manipal Cigna prohealth insurance plan, which imposes no sub limits or room rent capping whilst you’re in the hospital. What’s more, it’s loaded with an annual checkup and a holistic wellness program, just for you!

The plan offers comprehensive coverage for both your medical and non-medical expenses, along with taking care of OPD expenses. In case you need a second medical opinion, that’s covered too. And when you’re not saving money here, you’re safeguarding your hard-earned money via discounts offered by network hospitals. Get all of this, without burning your pockets!

Given a choice, always opt for annual premium payment over a monthly one. This is because insurers offer significant discounts you can utilize when you pay your premium for the entire year, at once. But if annual premium payments are not a feasible option, you can choose to pay semi-annually or quarterly to consolidate your premium payment and save on money. Buying a plan online can also help you bring down the overall price.

Also remember about health insurance tax benefits towards the premium you pay for your policy. Under Section 80D of I-T Act, everyone aged 60 or less can claim an yearly deduction of up to Rs 25,000. If you’re 60 or more, this ceiling goes up to Rs 50,000.