80D Deduction Optimizer
Enter what you pay for health insurance to see your full 80D deduction and the tax it saves.
Runs entirely in your browser — your numbers never leave this page.
How it works
Section 80D rewards you for insuring health — yours and your parents’ — with separate caps for each:
- Self + spouse + children: up to ₹25,000 a year — or ₹50,000 if you are a senior citizen.
- Parents: a separate ₹25,000 — or ₹50,000 if they are senior citizens. A non-senior with senior parents can claim up to ₹75,000 total; a senior with senior parents up to ₹1,00,000.
- Preventive checkups: up to ₹5,000 counts, but inside the same caps — it fills unused room rather than adding new room.
- Payment mode: premiums must be paid non-cash (UPI, card, netbanking). Only checkups may be paid in cash.
- Old regime only: 80D gives zero benefit in the new regime — compare regimes before chasing the deduction.
Frequently asked questions
What is the maximum 80D deduction?
₹25,000 for self/family and ₹25,000 for parents — each doubles to ₹50,000 when the insured person is a senior citizen. Maximum possible is ₹1,00,000.
Can I claim 80D for my parents’ premium?
Yes — parents get a separate cap (₹25,000, or ₹50,000 if they are 60+), even if they are not dependent on you.
Does a preventive health checkup add ₹5,000 extra?
No. Up to ₹5,000 of checkup spend counts, but only within your existing cap — it uses spare room, it doesn’t create new room.
Can I pay the premium in cash?
No — premiums must be paid in non-cash mode to qualify. Only preventive health checkups may be paid in cash.
Does 80D work in the new tax regime?
No. Section 80D is an old-regime-only deduction. In the new regime you get no benefit from health insurance premiums.
Can I claim for in-laws under 80D?
No — only self, spouse, dependent children and parents qualify. In-laws are not covered unless they are your dependent parents.
What if my employer pays the premium?
You can only claim what you actually pay. If the employer pays the full premium, there is nothing for you to deduct.
Is the deduction on premium paid or premium due?
On premium actually paid during the financial year, regardless of which policy year it covers.
Can senior citizens without insurance claim 80D?
Yes — a senior citizen can claim up to ₹50,000 for medical expenditure incurred (not just premiums) if they hold no health insurance.
How much tax does 80D actually save?
Deduction × your marginal slab × 1.04 (cess). At 30%, a ₹50,000 deduction saves about ₹15,600.