Section 80D calculator for health insurance
Enter what you pay for health insurance and check-ups, for your family and your parents, to see how much you can deduct and how much tax it saves. Section 80D is section 126 of the Income-tax Act, 2025, with the same limits.
Rules for FY 2026-27 · Checked 24 October 2026
Saves ₹20,280 of tax in the old regime. The new regime allows no deduction for health insurance.
- Even with this deduction the new regime costs less: ₹97,500 against ₹1,90,320. There the premium saves no tax, but the cover is worth just as much.
- You, spouse and children (limit ₹25k)
- ₹25,000
- Parents (limit ₹50k)
- ₹40,000
- Total deduction
- ₹65,000
- Old regime tax without it
- ₹2,10,600
- Old regime tax with it
- ₹1,90,320
- Tax saved
- ₹20,280
Check-ups count inside each group's limit, up to ₹5,000 in all. Pay premiums by any mode except cash. Under the Income-tax Act, 2025 this deduction is section 126.
The 80D limits for FY 2026-27
| Who is covered | Limit |
|---|---|
| You, spouse and children, all below 60 | ₹25,000 |
| You, spouse and children, one of you 60 or older | ₹50,000 |
| Parents below 60 | ₹25,000 more |
| Parents 60 or older | ₹50,000 more |
| Most in all | ₹1,00,000 |
Preventive health check-ups count inside these limits, up to ₹5,000 in all, and may be paid in cash. Premiums must be paid by any other mode: UPI, card, cheque or net banking.
A senior citizen with no health insurance can instead claim medical bills up to ₹50,000, paid other than in cash.
A worked example
Amit, 35, earns ₹15 lakh and claims ₹1.5 lakh under 80C and ₹2,400 of professional tax. He pays ₹22,000 for a family floater plus ₹3,000 for check-ups, and ₹45,000 for his parents, who are over 60.
- Family: ₹22,000 + ₹3,000 = ₹25,000, exactly the limit.
- Parents: ₹45,000, inside their ₹50,000 limit.
- Deduction: ₹70,000. His old-regime tax falls from ₹2,09,850 to ₹1,88,010, a saving of ₹21,840.
But the new regime would charge Amit only ₹97,500. Unless he also has HRA or home loan interest to claim, he is better off in the new regime, where the premiums save no tax.
Buy health insurance for the cover
Most salaried people now pay less tax in the new regime, which allows no 80D deduction. That does not make health insurance optional: a single hospital stay can cost far more than any tax you save.
Frequently asked questions
Can I claim 80D in the new tax regime?
No. The deduction for health insurance is allowed only in the old regime.
Can I claim for my parents-in-law?
No, only for your own parents. Your spouse can claim for their parents if your spouse pays the premium.
I paid three years of premium at once. What can I claim?
The premium is spread equally over the years of cover, so you claim a third of it each year, within the limit.
Does a health check-up count without insurance?
Yes. Up to ₹5,000 a year of preventive check-ups counts, even in cash and even with no policy.
Does the premium for my office group cover count?
Not when your employer pays it. If you pay to add your parents to the group cover, that part counts.