Section 80D · Health insurance
Health insurance deductions — self, family, parents.
Calculate your health insurance premium deduction under Section 80D. Self, family & parents — with preventive health checkup benefit.
Marginal Tax Rate
30%
Self, Spouse & Children
Health insurance premium for yourself and family
Limit: ₹25,000
Max ₹5,000 (within overall limit)
Used: ₹0Remaining: ₹25,000
Parents
Health insurance for parents (additional deduction)
Section 80D Tax Savings
Total Tax Saved (incl. 4% cess)
₹0
at 30% slab + 4% cess
Total Deduction
₹0
Max Possible
₹50,000
Self/Family
₹0 / ₹25,000
Parents
₹0 / ₹25,000
Overall Utilization0%
Deduction Breakdown
Self Premium₹0
Spouse Premium₹0
Children Premium₹0
Preventive Checkup (Self)₹0
Parents Premium₹0
Preventive Checkup (Parents)₹0
Total Eligible Deduction₹0
Section 80D Limits — Quick Reference
Self < 60 + Parents < 60₹25K + ₹25K = ₹50K
Self < 60 + Parents ≥ 60₹25K + ₹50K = ₹75K
Self ≥ 60 + Parents ≥ 60₹50K + ₹50K = ₹1L
Preventive Checkup₹5K (within above limits)
Section 80D Rules — FY 2025-26
✅ Who Can Claim?
- •Individuals and HUFs
- •Resident & Non-Resident Indians
- •Available only in Old Tax Regime
- •Not available for cash payments (except preventive checkup)
💳 Eligible Expenses
- •Health insurance premium (self, spouse, children)
- •Health insurance premium for parents
- •Preventive health checkup (up to ₹5,000)
- •Medical expenses for senior citizens (if no insurance)
⚠️ Key Points
- •Preventive checkup is WITHIN the overall limit
- •Combined limit of ₹5K for preventive checkup (all members)
- •Premium must be paid via non-cash mode
- •Multi-year policies: claim proportionate yearly amount
Section 80D deductions are available only under the Old Tax Regime (FY 2025-26). Not available in New Tax Regime. Consult a CA for personalized advice.
Last updated: March 2026 · Assessment Year: AY 2026-27 (FY 2025-26)