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80D Calculator

Calculate tax deduction on health insurance premiums

Last Updated: July 2026
Premium for self, spouse, children
Premium for parents
Within overall limit
Higher limit for senior citizens
Self & Family Deduction
—
Max ₹25,000
Parents Deduction
—
Max ₹50,000/25,000
Total 80D Deduction
—
Combined deduction

80D Deduction Breakdown

ComponentValue

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What Is an 80D Calculator?

An 80D Calculator computes the tax deduction available under Section 80D for health insurance premiums paid for self, family, and parents. It accounts for different limits based on age and includes preventive health check-up deductions.

Section 80D encourages health insurance coverage by providing tax benefits. This calculator helps you maximize your deduction by tracking premiums for self, family, and parents, especially benefiting from higher limits for senior citizens.

Section 80D Formula

Self & Family = Min(Premium, ₹25,000) + Preventive (₹5,000)
Parents = Min(Premium, ₹25,000 or ₹50,000 for seniors)
Total 80D = Self + Parents
Tax Saved = Total × Slab Rate
Self Limit = ₹25,000 + ₹5,000 preventiveParents Limit = ₹25,000 (60-) or ₹50,000 (60+)Total = Combined deduction

Frequently Asked Questions

What is Section 80D?
Section 80D allows deduction for health insurance premiums and preventive health check-ups. Self & family: ₹25,000. Parents: ₹25,000 (₹50,000 if senior citizens). Preventive check-up: ₹5,000 within overall limit.
What is the 80D deduction limit?
Self, spouse, children: ₹25,000. Parents (below 60): ₹25,000. Parents (60+): ₹50,000. Preventive health check-up: ₹5,000 (within self limit). Total possible: ₹1,00,000 (if parents are senior citizens).
Is 80D available in new tax regime?
No, Section 80D deduction is not available under the new tax regime. It is only available under the old regime. The new regime offers lower rates but no deductions except standard deduction of ₹75,000.
Can I claim 80D for cash payments?
No, health insurance premium must be paid through banking channels (cheque, credit card, net banking, UPI) to claim 80D deduction. Cash payments are not eligible. However, preventive health check-up can be paid in cash (within ₹5,000 limit).
What if I pay premium for my parents?
You can claim deduction for health insurance premium paid for parents. If parents are below 60: ₹25,000. If parents are senior citizens (60+): ₹50,000. This is over and above the ₹25,000 limit for self & family.

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