Section 80D Calculator
Calculate your health insurance premium deduction for FY 2025-26. Claim up to Rs 1 lakh for self, family, and parents.
Calculating your 80D deductions...
Section 80D Deduction Limits
| Category | Self/Family (Below 60) | Self/Family (60+) | Parents (Below 60) | Parents (60+) |
|---|---|---|---|---|
| Maximum Limit | Rs 25,000 | Rs 50,000 | Rs 25,000 | Rs 50,000 |
| Total Maximum | Up to Rs 1,00,000 (if both self and parents are senior citizens) | |||
Frequently Asked Questions
What is covered under Section 80D?
Section 80D covers health insurance premiums for self, spouse, dependent children, and parents. It also includes preventive health checkup expenses up to Rs 5,000. Premiums must be paid by non-cash modes (cheque, card, net banking).
Can I claim 80D for parents even if they don't depend on me?
Yes, you can claim 80D deduction for health insurance premiums paid for your parents regardless of whether they are dependent on you or not. The deduction is available even if parents have their own income.
What is the preventive health checkup deduction?
You can claim up to Rs 5,000 for preventive health checkup expenses for yourself, spouse, dependent children, and parents. This is included within the overall 80D limits, not in addition to them.
Is Section 80D available in new tax regime?
No, Section 80D deductions are not available under the new tax regime. You can only claim health insurance premium deductions if you opt for the old tax regime. Compare both regimes to see which saves you more.