About the Section 80D Calculator
What is the Section 80D Calculator?
Section 80D gives a deduction for health insurance premiums — up to ₹25,000 for yourself, your spouse and children (₹50,000 if either of you is 60 or older) and another ₹25,000 for parents (₹50,000 if a parent is a senior citizen).
Enter the premiums, age details, preventive check-up costs and any medical bills for uninsured senior parents. The calculator applies each limit and shows the total deduction and the tax you save in the old regime.
How to use the Section 80D Calculator
- Health Insurance for Self, Spouse & Children (₹) (sample: 30,000)
- Are You (or Your Spouse) 60 or Older? (sample: No)
- Health Insurance for Parents (₹) (sample: 45,000)
- Is Either Parent 60 or Older? (sample: Yes)
- Preventive Health Check-ups (₹, max ₹5,000 in total) (sample: 5,000)
- Medical Bills for Uninsured Senior Parents (₹) (sample: 0)
- Your Income Tax Slab Rate (sample: 30%)
- Press Calculate 80D Deduction (results also refresh as you type). The result card shows the Section 80D Deduction, along with For self & family (limit ₹25,000), For parents (limit ₹50,000), Maximum possible for your situation and Tax saved (old regime, incl. cess).
Formula used
80D = min(Self premium + check-ups, ₹25k/₹50k) + min(Parents' premium, ₹25k/₹50k)
- Check-ups = up to ₹5,000 within the overall limits, can be paid in cash
- Medical bills = allowed for senior citizens without health insurance, within the ₹50,000 limit
Maximum possible: ₹1 lakh when you and your parents are all senior citizens.
Worked example
These are the sample values already filled in the calculator above, and the result it returns for them:
| Input | Sample value |
|---|---|
| Health Insurance for Self, Spouse & Children (₹) | 30,000 |
| Are You (or Your Spouse) 60 or Older? | No |
| Health Insurance for Parents (₹) | 45,000 |
| Is Either Parent 60 or Older? | Yes |
| Preventive Health Check-ups (₹, max ₹5,000 in total) | 5,000 |
| Medical Bills for Uninsured Senior Parents (₹) | 0 |
| Your Income Tax Slab Rate | 30% |
| Result | Value |
|---|---|
| Section 80D Deduction | ₹70,000 |
| For self & family (limit ₹25,000) | ₹25,000 |
| For parents (limit ₹50,000) | ₹45,000 |
| Maximum possible for your situation | ₹75,000 |
| Tax saved (old regime, incl. cess) | ₹21,840 |
Tips for using the Section 80D Calculator
- Pay premiums by any mode other than cash (except for check-ups) to qualify.
- For multi-year policies paid upfront, the deduction is spread equally across the years.
- Buying a policy for senior parents is one of the most valuable deductions in the old regime.