Health Insurance Cover Selector
Find how much cover your family really needs — and the exact Section 80D tax deduction on your premium, live in one screen. Applicable for FY 2026-27 (AY 2027-28) and FY 2027-28.
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Fill in the details — the answer on the right updates as you go.
Section 80D deduction breakdown
| Component | Amount |
|---|
Get the right cover + claim 80D correctly
We help you pick the right sum insured and file your return so no deduction is missed.
Disclaimer: Cover suggestions are indicative rules of thumb, not a recommendation of any specific policy. Section 80D limits per the Income-tax Act (old regime). Actual premiums and eligibility vary by insurer and health profile.
How much health cover do you actually need
A single hospitalisation in a metro can run into several lakhs, and medical inflation runs well ahead of general inflation. As a rule of thumb, your base cover should be at least 50–100% of your annual income, scaled up for metros and for older members. Parents are best covered on a separate senior-citizen policy so their higher claims don't exhaust the family floater.
Suggested cover & Section 80D limits
The left card lets you claim a deduction up to ₹25,000 for your own family — rising to ₹50,000 if the eldest insured is a senior citizen — plus a separate limit for your parents. A ₹5,000 preventive health check-up counts within each limit.
| Individual · metro | ₹5-10L |
| Individual · tier-2/3 | ₹5-7L |
| Couple · metro | ₹10L floater |
| Family with kids · metro | ₹10-15L floater |
| Family with kids · tier-2/3 | ₹7-10L floater |
| Family + parents · metro | ₹15-25L + separate parent policy |
| Self / spouse / kids (below 60) | ₹25,000 |
| Self / family (senior, 60+) | ₹50,000 |
| Parents (below 60) | ₹25,000 |
| Parents (senior, 60+) | ₹50,000 |
| Preventive health check-up | ₹5,000 (within limit) |
| Maximum possible (both senior) | ₹1,00,000 |
How the 80D deduction is calculated
Take your family premium, cap it at your self limit (₹25k, or ₹50k if you're a senior). Separately, take your parents' premium and cap it at their limit (₹25k, or ₹50k if they're senior). Add the two capped figures to get the total 80D deduction, then multiply by your income-tax slab rate to see the tax you actually save.
| Self premium (below 60) | ₹25,000 |
| Self deduction · min(25k, 25k) | ₹25,000 |
| Parents' premium (senior) | ₹40,000 |
| Parents deduction · min(40k, 50k) | ₹40,000 |
| Total 80D deduction | ₹65,000 |
| Tax saved @ 30% | ₹19,500 |
| Metro room rent / ICU | Higher |
| Senior-citizen claims | More frequent |
| Medical inflation | ~14% p.a. |
| Floater exhaustion risk | Shared limit |
Key terms explained
Family floater
A single sum insured shared by all members on one policy. Cheaper than individual policies, but one big claim can use up the whole cover for everyone — so floaters should be sized generously.
Sum insured
The maximum the insurer will pay in a policy year. Choose it against metro hospital costs and your family's age, not just today's premium — under-insuring is the most common mistake.
Senior ₹50,000 limit
If the eldest insured (or your parents) is 60 or above, the Section 80D ceiling rises from ₹25,000 to ₹50,000, letting older families claim a larger deduction on higher premiums.
Preventive check-up
Up to ₹5,000 spent on health check-ups counts toward 80D — but inside your ₹25k / ₹50k limit, not on top. It's the one 80D expense that can be paid in cash.
Cashless treatment
The insurer settles the hospital bill directly at a network hospital, so you don't pay upfront and reclaim. Always check the insurer's cashless network before buying.
Super top-up
An add-on that pays once yearly claims cross a deductible. A ₹5L base + ₹20L super top-up gives ₹25L cover for a fraction of a full ₹25L policy's premium.
Questions people ask
Short answers on Health Insurance Cover Selector. Tap a question to open it.
01How much health cover do I need?
A common rule of thumb is at least half your annual income, with a floor of ₹5 lakh to ₹10 lakh in a metro for a young individual and ₹15 lakh to ₹25 lakh for a family with older members. Medical inflation makes a low sum insured obsolete quickly.
02Is a family floater or individual cover better?
A floater is cheaper for a young family and shares one sum insured. Individual policies are better where there is a large age gap or a member with an existing condition, because one claim does not exhaust the whole cover.
03What is a super top-up and should I buy one?
A super top-up pays above a chosen deductible on the aggregate of claims in a year. Combining a base policy with a super top-up is usually far cheaper than buying the same total cover as a single policy.
04What is the tax benefit on health insurance?
Section 80D allows up to ₹25,000 for self, spouse and children, and another ₹25,000 for parents — each rising to ₹50,000 where the insured is a senior citizen. Preventive health check-up expenses of up to ₹5,000 are included within these limits, and the deduction is available only under the old regime.
05What should I check besides the premium?
Room-rent and disease-specific sub-limits, co-payment clauses, waiting periods for pre-existing conditions and specific procedures, the restoration benefit, and the insurer's cashless hospital network and claim settlement record.
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Disclaimer: This tool gives indicative results for general guidance only and is not professional advice. Please verify with a qualified CA before acting on the numbers.