Section 80D Deduction Calculator
How the Section 80D deduction works
Section 80D lets you deduct health insurance premiums for yourself, your family and your parents. The deduction is bigger when the insured are senior citizens. It is available only under the old tax regime. The calculator above applies the correct limits.
The limits
| Who is insured | Maximum |
|---|---|
| Self / family (below 60) | ₹25,000 |
| Parents (below 60) | ₹25,000 |
| Self / family with a senior citizen | ₹50,000 |
| Parents who are senior citizens | ₹50,000 |
The two parts stack: you + parents can claim up to ₹50,000 (all below 60), ₹75,000 (parents senior), or ₹1,00,000 (both senior).
Preventive health check-up
Within these limits, up to ₹5,000 can be for preventive check-ups, and this part may be paid in cash. The premium itself must be paid by a non-cash mode.
A worked example
₹22,000 for your family and ₹46,000 for senior-citizen parents: ₹22,000 + ₹46,000 = ₹68,000 deduction.
Frequently asked questions
What is the maximum 80D deduction?
Up to ₹1,00,000 when you and your parents are all senior citizens; ₹50,000 when all are below 60.
Is 80D in the new regime?
No. It can be claimed only under the old tax regime.
How much for preventive check-up?
Up to ₹5,000 within the overall limit, and it may be paid in cash.
Can I pay premium in cash?
No, the premium must be a non-cash payment; only the ₹5,000 check-up can be cash.
Does it cover parents?
Yes, parents get a separate ₹25,000 limit (₹50,000 if senior citizens).
Source: Income-Tax Act, Section 80D (FY 2025-26 / AY 2026-27). Verify before filing. ComplyKraft is independent; this is not professional advice.