Tax Savings

Section 80D Deduction

Calculate your maximum tax deduction for Health Insurance premiums and preventive health checkups for yourself, spouse, children, and parents.

Self, Spouse & Children
Parents
Total Deduction

Eligible 80D Tax Break

₹55,000

Max limit for your profile: ₹75,000

Self/Family Premium₹15,000
Parents Premium₹35,000
Preventive Checkup₹5,000

Understanding 80D Limits

The Income Tax Act defines strict limits for health insurance deductions under Section 80D:

  • Non-Senior Citizens (Below 60): The limit is ₹25,000 for self/family, and another ₹25,000 for parents.
  • Senior Citizens (60+): The limit increases to ₹50,000. If you are below 60 but your parents are above 60, you can claim ₹25k for yourself and ₹50k for them (Total ₹75,000).
  • Preventive Health Checkups: You can claim up to ₹5,000 for health checkups. However, this ₹5k limit is subsumed within the overall ₹25k/₹50k limits. It is not an additional deduction above the limit.