80D Calculator: Health Insurance Tax Deduction
How much of your and your parents' health insurance premium you can deduct, and the tax it saves, under the rules now in section 126 of the Income-tax Act, 2025.
Under the old regime you can deduct up to ₹25,000 a year for your own and your family's health insurance (₹50,000 if the insured person is 60 or older), and a further ₹25,000 or ₹50,000 for your parents. With senior-citizen parents, a family under 60 can deduct up to ₹75,000; if you are also a senior citizen, up to ₹1,00,000. The new tax regime allows none of this.
The words on this page, explained simply
New to this? Here is what each term means, in plain English.
- Senior citizen
- For income tax, a person aged 60 or older at any time in the tax year.
- Preventive health check-up
- A routine medical check-up. Up to ₹5,000 a year of it counts within the 80D limits, and it may be paid in cash.
- Old tax regime
- The older income tax system that allows deductions and exemptions such as 80C and HRA, at higher tax rates. The new regime, the default, has lower rates but few deductions.
The deduction everyone calls 80D is section 126 of the Income-tax Act, 2025 from the 2026-27 tax year; the limits are unchanged. Enter what you pay and the calculator shows the deduction and the tax it saves at your slab.
The limits
| For | Under 60 | 60 or older (senior citizen) |
|---|---|---|
| You, your spouse and dependent children | ₹25,000 | ₹50,000 |
| Your parents | ₹25,000 | ₹50,000 |
A preventive health check-up counts within these limits, up to ₹5,000 in all. A senior citizen with no health insurance can instead claim medical bills, up to ₹50,000, and no group can go above ₹50,000. Pay the premium by any mode other than cash; only the check-up may be paid in cash. A premium paid in one go for a policy of several years is deducted one year's share at a time.
Old regime only
The new tax regime, now the default, does not allow this deduction. Whether the old regime is worth choosing depends on all your deductions together: the income tax calculator compares the two.
Source
Income-tax Act, 2025, section 126 (Gazette of India, 2025), which carries over section 80D of the 1961 Act from the 2026-27 tax year.
Key takeaways
- ₹25,000 for self and family (₹50,000 if 60+), plus ₹25,000 for parents (₹50,000 if 60+).
- Up to ₹5,000 of preventive check-ups counts within the limits.
- Old regime only; the new regime gives no deduction.
Frequently asked questions
What is the 80D deduction limit?
₹25,000 a year for health insurance of yourself, your spouse and dependent children (₹50,000 if the insured person is a senior citizen), plus ₹25,000 for your parents (₹50,000 if they are senior citizens). Up to ₹1 lakh in all.
Is 80D available in the new tax regime?
No. The deduction (now section 126 of the Income-tax Act, 2025) is only allowed if you choose the old regime.
Can I claim 80D for my parents' medical bills?
Only if they are senior citizens with no health insurance; then up to ₹50,000 of their medical expenses counts, paid by a mode other than cash.