How much can you save on tax with health insurance?
Section 80D lets you deduct health insurance premiums from your taxable income. Most salaried Indians leave ₹25,000–₹75,000 in deductions on the table every year. Here's exactly what you can claim.
Calculate your 80D benefit
Your age bracket
Senior citizens get a higher deduction limit (₹50K vs ₹25K).
Premium for you, spouse, and dependent children. Deductible up to ₹25K (under 60) or ₹50K (60+).
Capped at ₹5K, included within your overall self/family limit.
Are you covering your parents?
Parents get a separate deduction limit on top of your own — ₹25,000 if they're under 60, ₹50,000 if 60 or above.
Deductible up to ₹25K (under 60) or ₹50K (60+).
Your tax slab (income tax rate)
Tax saved = total deduction × your marginal slab rate. We default to 30% (income above ₹15L).
Tax regime
Section 80D deductions are only available under the old tax regime.
You save
in tax this year, by claiming Section 80D
Section 80D — the limits that matter
Most CAs explain 80D wrong. The deduction structure is two-tiered: one limit for you and your immediate family, another separate limit for parents. Senior citizens (60+) get higher limits in both buckets. Here's the full table.
| Scenario | Self + Family limit | Parents limit | Total deduction |
|---|---|---|---|
| You <60, parents <60 | ₹25,000 | ₹25,000 | ₹50,000 |
| You <60, parents 60+ | ₹25,000 | ₹50,000 | ₹75,000 |
| You 60+, parents 60+ | ₹50,000 | ₹50,000 | ₹1,00,000 |
| Preventive check-up | Up to ₹5,000 included within the relevant overall limit | - | - |