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What this calculator does

This page helps you estimate the likely result for Section 80D Health Insurance Deduction Calculator from the details entered in the calculator below. Treat the output as a planning estimate, not as a substitute for the final filing computation.

Inputs explained

  • Premium for Self & Family: Use the figure relevant to your case and keep the unit consistent with the form.
  • Your Age: Use the figure relevant to your case and keep the unit consistent with the form.
  • Premium for Parents: Use the figure relevant to your case and keep the unit consistent with the form.
  • Parents' Age: Use the figure relevant to your case and keep the unit consistent with the form.
  • Preventive Health Checkup: Use the figure relevant to your case and keep the unit consistent with the form.

How it works / Method

The calculator uses the values you enter, applies the relevant rule logic for this topic, and updates the result summary immediately after calculation.

Formula or calculation logic

Estimate based on age-linked Section 80D caps for self, family, parents, and preventive health check-ups.

Calculate 80D Deduction

Self & Family

₹

Parents

₹
₹
Included within overall limits (max ₹5,000)

80D Deduction Summary

Enter premium details to calculate deduction.

Step-by-step example

  1. Enter Premium for Self & Family as e.g., 25000 for a sample case.
  2. Enter Your Age as e.g., 50000 for a sample case.
  3. Enter Premium for Parents as Max ₹5,000 for a sample case.
  4. Click the calculate button and review the 80D Deduction Summary panel.

Use cases

  • Review the likely tax impact before filing or payment.
  • Check how changing one input affects the estimate.
  • Prepare a cleaner draft working before using the official portal.

Assumptions & limitations

  • Results are estimates only and should be checked against the correct FY and AY rules.
  • This page does not validate every exemption condition, document requirement, or edge case.
  • Verify the latest filing rules before submitting returns, proofs, or tax payments.

Sources & references

Section 80D Deduction Limits (AY 2026-27)

Category Limit ────────────────────────────────────────── Self & Family (Below 60) ₹25,000 Self & Family (60+) ₹50,000 Parents (Below 60) ₹25,000 Parents (60+ Senior Citizen) ₹50,000 Preventive Checkup ₹5,000* * Preventive checkup is included within above limits

Maximum Deduction Scenarios

Scenario Max Deduction ───────────────────────────────────────────────────── Self (<60) + Parents (<60) ₹50,000 Self (<60) + Parents (60+) ₹75,000 Self (60+) + Parents (60+) ₹1,00,000 Self only (<60) ₹25,000 Self only (60+) ₹50,000

Important Points

  • Payment Mode: Cash payment NOT allowed for insurance premium (only for preventive checkup up to ₹5,000)
  • Employer Insurance: If employer pays premium, you cannot claim 80D
  • Parents-in-law: NOT eligible for deduction (only your own parents)
  • NOT in New Regime: Section 80D deduction is NOT available in new tax regime
  • HUF: HUF can claim for health insurance of any member

FAQs

Maximum is ₹1,00,000 if both you (60+) and your parents (60+) are senior citizens. For non-seniors, it's ₹25,000 each for self and parents = ₹50,000 total.

No, Section 80D deduction is NOT available in the new tax regime. You can claim it only under old regime.

No, 80D deduction for parents is available only for your own parents, not parents-in-law. Your spouse can claim for their parents.

If employer pays the premium, you cannot claim 80D. If premium is deducted from your salary, you can claim it.

No, preventive health checkup (up to ₹5,000) is included within the overall limit, not in addition to it. It's the only expense where cash payment is allowed.

Yes, premiums for critical illness policies and health riders attached to life insurance are eligible under 80D.

No, insurance premium paid in cash is NOT eligible for 80D deduction. Only preventive checkup up to ₹5,000 can be paid in cash.

Contribution to Central Government Health Scheme (CGHS) or similar state scheme by pensioners is eligible under 80D within the applicable limits.

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⚠️ Disclaimer: Results are estimates only. Tax rules can change by financial year and assessment year, so verify the current filing rules before submitting returns or proofs.