Deductions & ExemptionsJul 22, 2025
What deduction can I claim under Section 80D for health insurance premiums?
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Section 80D allows deductions for health insurance premiums paid for yourself, your family, and your parents. This deduction is available only under the old tax regime.
Deduction limits under Section 80D:
| Who is covered | Age of insured | Deduction limit |
|---|---|---|
| Self, spouse, children | Below 60 | ā¹25,000 |
| Self, spouse, children | 60 or above (senior citizen) | ā¹50,000 |
| Parents | Below 60 | ā¹25,000 |
| Parents | 60 or above | ā¹50,000 |
Maximum combined deduction scenarios:
- Self (below 60) + Parents (below 60) = ā¹25,000 + ā¹25,000 = ā¹50,000
- Self (below 60) + Parents (senior citizen) = ā¹25,000 + ā¹50,000 = ā¹75,000
- Self (senior citizen) + Parents (senior citizen) = ā¹50,000 + ā¹50,000 = ā¹1,00,000
What counts under 80D:
- Health insurance premiums (Mediclaim, family floater)
- Preventive health check-up expenses, up to ā¹5,000 (included within the overall limit, not additional)
- Medical expenditure for senior citizens who do not have insurance (up to ā¹50,000)
- Contribution to Central Government Health Scheme (CGHS)
What does NOT count:
- Life insurance premiums (these go under 80C)
- Premiums paid in cash (only digital/cheque payments qualify, except for preventive check-ups which can be cash)
- GST on insurance premiums (only the base premium amount)
Tips for maximizing 80D:
- If your parents are senior citizens without insurance, you can still claim up to ā¹50,000 for their medical expenses directly
- The ā¹5,000 preventive check-up is often overlooked. Keep the receipt from your annual health check-up
- Pay your parents' insurance premium yourself to claim the deduction. They do not need to be your dependents
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Disclaimer: This information is for general educational purposes and is not professional tax advice. Tax situations vary. Consult a qualified tax professional for advice specific to your circumstances.