1How much deduction can I claim under Section 80D?
Up to Rs 25,000 for yourself and family, plus up to Rs 50,000 more for senior-citizen parents. It's an old-regime deduction, separate from the Rs 1,50,000 under 80C.
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ArticleSection 80D rewards you for having health insurance, with a deduction that grows when you cover parents or senior citizens. Here's how the 80D deduction works and how to maximise it — an old-regime benefit.
Reviewed by CA Harika Chebolu, FCA · Last updated 2026-06-13
Quick answer
80D gives up to Rs 25,000 for your family's health premiums, plus up to Rs 50,000 more for senior parents. Here's how it works.
Section 80D allows a deduction of up to Rs 25,000 a year for health-insurance premiums covering yourself, your spouse and dependent children. It's an old-regime deduction, and it's separate from your 80C limit — so it doesn't eat into your Rs 1,50,000.
If you pay premiums for your parents, you get an additional deduction — up to Rs 25,000, rising to Rs 50,000 where the parents are senior citizens. Stacking your own family's cover with senior parents' cover can take the total 80D deduction well beyond Rs 25,000.
Within the overall limits, expenditure on preventive health check-ups qualifies up to a sub-limit. It's a small but commonly-missed inclusion — your annual check-up can count toward your 80D deduction.
Where a senior citizen has no health insurance, actual medical expenditure can qualify under 80D within the limit. This helps older taxpayers who can't easily get cover but still incur medical costs.
To claim 80D, premiums should be paid by a non-cash method like cheque, card, UPI or net banking — cash premiums generally don't qualify (preventive check-ups being a limited exception). Keep the premium receipts as proof.
Up to Rs 25,000 for yourself and family, plus up to Rs 50,000 more for senior-citizen parents. It's an old-regime deduction, separate from the Rs 1,50,000 under 80C.
Yes — an additional deduction of up to Rs 25,000, rising to Rs 50,000 if your parents are senior citizens. This stacks on top of the deduction for your own family's cover.
Yes — preventive health check-ups qualify up to a sub-limit, within the overall 80D limits. It's a commonly-missed inclusion, so count your annual check-up.
Want every rupee of 80D claimed across your family and parents? Write to the firm and we'll make sure of it.