Calculator
80D Tax Benefit Calculator
See exactly how much tax your health insurance premiums save you under Section 80D — old regime only.
Section 80D saves you ₹12,480 in tax — under the old regime only.
Are you (or your eldest covered family member) a senior citizen?
Are your parents senior citizens?
Tax Saved (Old Regime)
₹12,480
Total 80D Deduction
₹40,000
Self/family ₹25,000 + parents ₹15,000
Tax Saved (New Regime)
₹0
Up to ₹25,000 for self/family health insurance premium (₹50,000 if you or the eldest covered member is a senior citizen), plus a separate ₹25,000 for parents' premium (₹50,000 if they are senior citizens) — a maximum combined deduction of ₹1,00,000 if both self and parents are senior citizens.
No — up to ₹5,000 spent on preventive health checkups is included WITHIN the applicable ₹25,000/₹50,000 cap, not on top of it. It only helps if your premium alone hasn't already used up the full cap.
No. Section 80D, like most other deductions, is available only under the old tax regime. If you've opted for the new regime, health insurance premiums don't reduce your taxable income.
Section 80D deduction limits at a glance
Self/family: ₹25,000 (₹50,000 if the eldest covered member is a senior citizen). Parents: a separate ₹25,000 (₹50,000 if they are senior citizens) — the two brackets are independent, so a taxpayer with senior-citizen parents can claim up to ₹1,00,000 combined.
Disclaimer: Section 80D is available only under the old tax regime. This calculator estimates tax saved using FY 2025-26 slab rates and assumes no other old-regime deductions unless you also use the Income Tax calculator for a fuller picture.
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