80D calculator: tax saved on health insurance
Enter the premiums you pay for your family and your parents. See your deduction under section 80D and the tax it saves.
- Up to ₹1 lakh a year
- Parents and seniors included
- Free, no sign-up
Claim all of your health cover
Our experts check your premiums, your parents' cover and senior citizens' medical bills, and claim the most the law allows.
Questions people often ask
I pay for my parents' health insurance. Can I claim it?
Yes, up to ₹25,000, or ₹50,000 if either parent is 60 or older. This is on top of your own family's limit.
My father is 70 and has no insurance. Can I claim his hospital bills?
Yes. Medical bills for a senior citizen with no health insurance count, up to ₹50,000.
80D limits
Two separate limits: one for your family, one for your parents.
| Who's covered | Under 60 | 60 or older |
|---|---|---|
| You, spouse, children | ₹25,000 | ₹50,000 |
| Parents | ₹25,000 | ₹50,000 |
- Check-ups: up to ₹5,000 in total, inside the limits.
- Medical bills: only for seniors with no insurance.
- Old regime only.
Last reviewed 8 October 2026. The rules in this calculator come from these official sources.
- Tax rules for salaried individuals, AY 2026-27 Income Tax Department
Common questions
How much can I claim under 80D?
Up to ₹25,000 for you, your spouse and children (₹50,000 if you or your spouse are 60 or older), plus up to ₹25,000 for your parents (₹50,000 if either is 60 or older). The most anyone can claim is ₹1 lakh.
Does a preventive health check-up count?
Yes, up to ₹5,000 a year in total for your family and parents, within the limits above. It's the only part you can pay in cash.
Can I claim medical bills without insurance?
Only for a senior citizen (60 or older) who has no health insurance. Their medical bills count, within the ₹50,000 limit.
Can I claim 80D under the new regime?
No. The new regime doesn't allow 80D. It only helps if you choose the old regime.
Can I claim the premium my employer pays?
No. A group policy paid by your employer doesn't count. A top-up you pay for yourself does.
I paid a 3-year premium in one go. How much can I claim?
One-third each year, for the three years of cover, within the yearly limit.
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