Section 80D Health Insurance Deduction
Work out your health-insurance tax deduction live — self & family, parents and preventive check-up, capped exactly as the Income Tax Act allows.
- Free — no sign-up
- Instant, on-screen results
- Built by our CA · CS team
- Rules cited on the page
Enter your figures — the result on the right updates as you type.
Deduction breakdown
Get your 80D & every deduction filed by a CA
We find every deduction you qualify for and file your return accurately.
Disclaimer: Indicative estimate of the Section 80D deduction for a resident individual. Actual eligibility depends on premium payment mode (cash not allowed except check-up) and other facts. Rates per Income Tax Act as applicable FY 2026-27.
Section 80D at a glance
Section 80D lets you deduct health-insurance premiums (and a small preventive check-up amount) from your taxable income under the old tax regime. There are two separate buckets — one for yourself and family, one for your parents — and each cap depends on whether the insured is a senior citizen (60+).
The two buckets & their caps
Your total 80D deduction is the sum of two independent buckets. Each is capped separately, and the ₹5,000 preventive check-up sits inside these caps — it never raises them.
| Eldest insured below 60 | ₹25,000 |
| Eldest insured 60 or above | ₹50,000 |
| Covers self, spouse & children | — |
| Parents below 60 | ₹25,000 |
| Parents 60 or above | ₹50,000 |
| Over & above the self bucket | — |
How the deduction is calculated
Cap the self & family premium at its limit, cap the parents' premium at its limit, fit the preventive check-up within those caps, then add the two buckets. Here are three worked examples:
Key points explained
Old regime only
Section 80D is available only under the old tax regime. If you opt for the new regime, health-insurance premiums give you no deduction — factor this in when choosing regimes.
Senior-citizen boost
When the eldest insured in a bucket is 60 or above, that bucket's cap rises from ₹25,000 to ₹50,000. Self and parents are assessed separately for age.
Preventive check-up
Up to ₹5,000 for preventive health check-ups (self + parents together) counts within the caps — it does not increase them, but it may be paid in cash.
Payment mode
Health-insurance premiums must be paid by any mode other than cash (cheque, card, UPI, net-banking) to qualify. Only the preventive check-up amount may be paid in cash.
Questions people ask
Short answers on Section 80D Health Insurance. Tap a question to open it.
01How much can I claim under section 80D?
Up to ₹25,000 for premiums for yourself, spouse and dependent children, and a further ₹25,000 for parents. Each limit rises to ₹50,000 where the person insured is a senior citizen — so a maximum of ₹1,00,000 where both you and your parents are senior citizens.
02Is a preventive health check-up included?
Yes, up to ₹5,000, and it is within the overall limit rather than in addition to it. This is the one component that can be paid in cash.
03Can I claim medical expenses without insurance?
Yes, for a senior citizen who has no health insurance — actual medical expenditure up to ₹50,000 is allowed within the same limit. This does not apply to a person below 60.
04Does the premium have to be paid in a particular way?
Yes. Except for the preventive check-up, the premium must be paid by any mode other than cash — bank transfer, cheque, card or UPI — to qualify.
05Is 80D available under the new regime?
No. Section 80D is a Chapter VI-A deduction and is not available under the new regime. It remains one of the more common reasons taxpayers stay with the old regime.
More Income Tax & TDS tools
Picked from the same shelf. Every tool is free and runs in your browser.
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.