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Section 80D Calculator

Calculate your health insurance tax deduction under Section 80D. Deduct up to ₹1,00,000 on medical insurance premiums for self, family, and parents.

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Section 80D Calculator

Section 80D Details

Your Health Insurance
₹25,000
₹0₹1.0L
30 yrs
18 yrs80 yrs
Parents' Health Insurance
₹25,000
₹0₹1.0L
65 yrs
18 yrs80 yrs
Your Limits
Self (<60: ₹25K, ≥60: ₹50K)₹25,000
Parents (<60: ₹25K, ≥60: ₹50K)₹50,000
Preventive Checkup₹5,000
Total Tax Deduction Available
₹50,000
Out of max possible: ₹80,000

Deduction Breakdown

Breakdown of your 80D deduction

Total
₹50K
Invested
Returns
Self Premium Deduct.
₹25,000
Parent Premium Deduct.
₹25,000
Preventive Checkup
₹0
Total 80D Deduction
₹50,000

Deduction Detail

How your deduction is computed

Self/Family Premium
₹25,000
Max allowed: ₹25,000 → ₹25,000
Parents Premium
₹25,000
Max allowed: ₹50,000 → ₹25,000
Preventive Checkup
+₹0
Up to ₹5,000 within overall limit
Total Deduction₹50,000
Tax Saved (30% slab)₹15,000
⚖️ Section 80D Rules
Medical insurance premiums paid for self, spouse, children, and parents qualify for deduction. Self + family <60: ₹25K max. Self ≥60: ₹50K max. Parents <60: separate ₹25K. Parents ≥60: separate ₹50K. Preventive health checkup: ₹5K extra (within overall limit). Maximum total deduction: ₹1,00,000 (if both self and parents are ≥60).

How Section 80D Deduction Is Calculated

In plain words

Section 80D of the Income Tax Act allows deduction on health insurance premiums paid for yourself, your spouse, dependent children, and parents. The deduction limits depend on the age of the insured. An additional ₹5,000 deduction is available for preventive health checkups, which is within the overall limit.

How the calculation works
Total Deduction = Self Deduction + Parents Deduction + Preventive Checkup Self Deduction: Age < 60: min(Premium Paid, ₹25,000) Age ≥ 60: min(Premium Paid, ₹50,000) Parents Deduction: Age < 60: min(Premium Paid, ₹25,000) Age ≥ 60: min(Premium Paid, ₹50,000) Preventive Checkup: min(₹5,000, remaining limit) Max Total: ₹1,00,000 (if both self & parents ≥ 60)

A quick example

Let us calculate the 80D deduction for a 35-year-old with ₹30,000 premium and 70-year-old parents with ₹45,000 premium:

Self/Family Premium:₹30,000
Your Age:35 years (<60)
Parents Premium:₹45,000
Parents Age:70 years (≥60)

Step by step

  1. 1.Self deduction (age <60): min(₹30,000, ₹25,000) = ₹25,000
  2. 2.Preventive checkup (self): min(₹5,000, remaining) = ₹5,000
  3. 3.Parents deduction (age ≥60): min(₹45,000, ₹50,000) = ₹45,000
  4. 4.Total deduction = ₹25,000 + ₹5,000 + ₹45,000 = ₹75,000
  5. 5.Tax saved (30% slab) = ₹75,000 × 30% = ₹22,500

So the answer is: Total Deduction = ₹75,000 | Tax Saved = ₹22,500 (30% slab) | Max Possible = ₹1,00,000

Frequently Asked Questions

What is Section 80D?
Section 80D of the Income Tax Act provides tax deduction on medical insurance premiums paid for self, spouse, dependent children, and parents. The deduction is available under both the old and new tax regimes. Unlike Section 80C (which is only under old regime), 80D deductions are available in the new tax regime as well.
What are the 80D limits for self and family?
For self, spouse, and children: (1) If you are below 60 years: up to ₹25,000, (2) If you are 60 years or above: up to ₹50,000. For parents: (1) Parents below 60: separate limit of ₹25,000, (2) Parents 60 or above: separate limit of ₹50,000. Maximum total deduction: ₹1,00,000 (if both self and parents are senior citizens).
Is preventive health checkup covered under 80D?
Yes, you can claim an additional deduction of up to ₹5,000 for preventive health checkups. This deduction is within the overall 80D limit (not an extra benefit on top). The checkup can be for yourself, your spouse, dependent children, or parents.
Can I claim 80D for parents who are not dependents?
Yes, you can claim a deduction for health insurance premiums paid for your parents even if they are not financially dependent on you. The parents deduction has a separate limit — ₹25,000 if parents are below 60, ₹50,000 if parents are 60 or above. This is one of the most commonly missed tax benefits.
Can I claim 80D in the new tax regime?
Yes, Section 80D deduction is available under the new tax regime as well. This is different from Section 80C deductions (like PPF, ELSS, life insurance) which are only available in the old regime. So 80D benefits all taxpayers regardless of which regime they choose.