Health insurance deduction under section 80D. The two caps are separate rather than shared, and both rise when the person insured is a senior citizen, which is where the largest deductions come from.
Also called: health insurance tax deduction, section 80d.
₹55,000 deductible, saving ₹17,160. Your own cover is capped at ₹25,000 and your parents at ₹50,000, which is why the two are counted separately.
Computed from the published rates for the tax year you selected, which is not necessarily the current year. A calculation, not tax advice, and it does not know anything about your circumstances beyond the figures entered.
This is what the calculation gives for the numbers you entered. It is an estimate, not advice, and it knows nothing about your situation beyond those numbers. Rules for India change on a published schedule; the effective date is shown on every rule-based tool.
Premiums for yourself and your family sit under one cap; premiums for your parents sit under a second, entirely separate one. Adding them is what produces the large totals people are surprised by. Both caps rise for senior citizens, so a taxpayer insuring elderly parents can claim substantially more. Preventive health check-ups are allowed within the caps up to a small sub-limit rather than on top of them.
the deduction is two separate caps added together, not one shared limitEach of these is asserted on every build. If a change to the engine ever moved one of these answers, the build would fail before the page could print it.
Deduction under 80D₹55,000
Two separate caps of 25,000 and 50,000, so both premiums are fully allowed
Open this exampleDeduction under 80D₹75,000
boundary: both caps binding at once
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