Separate buckets for parents
Premium paid for parents is counted separately from self, spouse, and dependent children. If parents are senior citizens, the parent bucket can go up to Rs 50,000.
Tax Deduction
Section 80D Health Insurance Calculator
Calculate eligible Section 80D deduction for health insurance premiums, senior citizen parents, medical expenses, and preventive check-ups.
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Before you calculate
- Section 80D is generally available only under the old tax regime.
- Self/family and parents have separate deduction buckets.
- Preventive health check-up is capped at Rs 5,000 within the overall 80D limit.
How Section 80D Deduction Works
Section 80D allows eligible deductions for health insurance premiums and certain senior citizen medical expenses. The limits differ for self/family and parents, and senior citizen buckets get higher limits.
Preventive health check-up cap
Preventive check-up expenses can be claimed up to Rs 5,000, but this amount sits inside the overall 80D limit rather than being an additional separate limit.
Use realistic inputs
A calculator is most useful when the inputs match your real documents, bank statements, salary slips, policy schedules, or loan sanction terms. Re-run the calculation with conservative and optimistic assumptions before making a money decision.
Compare scenarios before deciding
Change one input at a time to see what actually drives the result. This helps you identify whether the decision is sensitive to rate, tenure, age, cost, deductions, or transaction charges.
Frequently Asked Questions
Is Section 80D available in the new tax regime?
Most individual taxpayers cannot claim common Chapter VI-A deductions like 80D under the default new tax regime. Check the applicable regime before filing.
What is the 80D limit for senior citizen parents?
The parent bucket can be up to Rs 50,000 if the insured parent is a senior citizen.
Can I claim preventive health check-up?
Yes, up to Rs 5,000, but it is included within the overall Section 80D limit.