FY 2025–26 / AY 2026–27
Health insurance deduction
Estimate your deduction under section 80D.
Reviewed 15 October 2026 · calculations run in your browser.
How the calculation works
Each group: eligible premium/check-ups within ₹25,000 or ₹50,000; uninsured senior medical costs subject to a combined ₹50,000 ceiling. Shared preventive-check-up ceiling: ₹5,000.
What you need to enter
- Self / spouse / dependent children premium
- Their preventive check-ups
- Does this premium cover a resident aged 60+?
- Uninsured senior medical expenditure in this group
- Parents’ insurance premium
- Parents’ preventive check-ups
- Does parents’ premium cover a resident aged 60+?
- Uninsured senior parent medical expenditure
- Tax regime
Assumptions and limitations
Medical expenditure applies only to uninsured resident senior citizens. Premium senior status concerns the person insured, not just the presence of a senior in the family. Apportion multi-year premiums over covered years. Do not claim premium and medical costs for the same insured person. Check-up cap ₹5,000 is shared. Premiums and eligible medical expenditure must be non-cash. No 80D deduction under the new regime.
The higher premium limit requires insurance covering a resident senior. Merely having an uninsured senior in the group does not increase the younger person’s premium limit. Enter medical expenditure only for uninsured resident seniors; never double claim an insured person’s costs. Preventive checks may be cash; other payments must qualify as non-cash.