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Income TaxIndividual
Section 80D — Health Insurance Deduction
Compute your 80D deduction for self, family and parents — with senior-citizen ₹50k caps and the ₹5k preventive check-up bucket.
Your inputs
₹25,000
₹
₹40,000
₹
₹5,000
₹
Result
- Self/family allowed (cap ₹25,000)
- ₹25,000
- Parents allowed (cap ₹50,000)
- ₹45,000
- Preventive check-up (within caps)
- ₹5,000
- Total 80D deduction
- ₹70,000
Reviewed by CA team
Estimates only — rules change frequently. Please verify with a CA before you file, invest, or sign anything.
Assumptions
- Old regime only — 80D is disallowed under the new regime.
- Premium paid via non-cash mode; preventive check-up may be cash.
- Senior citizen = age 60 or above at any time during the FY.
Deduction split
How this is calculated
Reviewed by CA teamSelf bucket cap = ₹25,000 (under 60) or ₹50,000 (senior) Parents bucket cap = ₹25,000 (under 60) or ₹50,000 (senior) Preventive check-up overall cap = ₹5,000 (counts INSIDE the bucket caps) Total 80D = min(self premium + share of preventive, self cap) + min(parents premium + share of preventive, parents cap)
Worked example
Self premium ₹25,000, parents (senior) ₹40,000, preventive ₹5,000. Self bucket: ₹25,000 + ₹0 preventive headroom = ₹25,000. Parents bucket: ₹40,000 + ₹5,000 preventive = ₹45,000 (under ₹50k cap). Total deduction = ₹70,000.
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