Section 80D Health Insurance Deduction Calculator
Calculate deduction for health insurance premium under Section 80D for you, family, and parents.
Calculate 80D Deduction
Self & Family
Parents
80D Deduction Summary
Enter premium details to calculate deduction.
Section 80D Deduction Limits (AY 2026-27)
Maximum Deduction Scenarios
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.