# 80D Calculator: Health Insurance Tax Deduction FY 2026-27 > 80D deduction calculator for health insurance premiums for you and your parents, with senior-citizen limits and preventive check-ups, and the tax saved. Source: https://trykosh.com/tools/section-80d-calculator Free tool - Income tax # Section 80D deduction calculator Health insurance premiums for you and your parents can cut your old-regime tax by up to INR 1 lakh. See your exact deduction and what it's worth. Rules checked 25 October 2026Free - no sign-upRuns in your browser 80D deduction INR 52,000 Saves about INR 16,224 in tax Self and family (limit INR 25,000) INR 22,000 Parents (limit INR 50,000) INR 30,000 Total 80D INR 52,000 Maximum possible for you INR 75,000 Pay premiums by any mode except cash (cash is fine only for check-ups). 80D is an old-regime deduction. ## Upload your statement and Kosh does this for you. Upload a bank statement or salary slip and Kosh works out your tax under both regimes from your real numbers, finds the deductions you're missing and reminds you before every deadline. [Start free](/signup?via=tool-section-80d-calculator) ## How the 80D calculator works Section 80D (section 126 in the new Act) has two separate buckets. The first covers premiums for yourself, your spouse and dependent children: up to INR 25,000, or INR 50,000 if you or your spouse is 60 or older. The second covers your parents: up to INR 25,000, or INR 50,000 if either parent is a senior citizen. Within those limits you can also claim up to INR 5,000 a year in total for preventive health check-ups, and this is the only part you can pay in cash. For senior citizens without any health insurance, actual medical bills can be claimed instead of premiums, inside the same INR 50,000 limit. The calculator caps each bucket, adds them, and multiplies by your slab rate plus cess to show the tax saved. The highest possible total is INR 1 lakh, when you and your parents are all seniors. 80D = min(self premium + check-up, INR 25K or INR 50K) + min(parents' premium + check-up, INR 25K or INR 50K) ## Worked example: Divya, her policy and her parents' Divya, 34, pays INR 18,000 for a family floater and INR 3,000 for an annual check-up. She also pays INR 42,000 for her parents' policy; her father is 63. Her own bucket is INR 21,000 (limit INR 25,000) and her parents' is INR 42,000 (limit INR 50,000), for INR 63,000 in total, which saves about INR 19,656 at the 30% slab. 80D deduction INR 63,000 Saves about INR 19,656 in tax Self and family (limit INR 25,000) INR 21,000 Parents (limit INR 50,000) INR 42,000 Total 80D INR 63,000 Maximum possible for you INR 75,000 Pay premiums by any mode except cash (cash is fine only for check-ups). 80D is an old-regime deduction. [Load this example into the calculator ->](?self=18000&checkupSelf=3000&parents=42000#calculator) ## Good to know - Pay premiums by card, UPI, cheque or bank transfer: cash premiums aren't deductible. - For multi-year policies paid upfront, you claim the premium proportionately each year. - Premiums for in-laws, siblings or grandparents don't qualify. - 80D is old-regime only, but health insurance is worth having whichever regime you pick. ## Frequently asked questions What is the maximum 80D deduction? INR 1 lakh: INR 50,000 for yourself and family when you're 60 or older, plus INR 50,000 for senior-citizen parents. For most young families it's INR 25,000 plus INR 25,000 or INR 50,000 for parents. Can I claim 80D for my parents if they are not dependent on me? Yes. Parents don't need to be financially dependent; you just need to pay the premium yourself. If siblings split the premium, each can claim the part they paid. Does the employer's group health cover count? No, unless part of the premium is deducted from your salary. Only premiums you pay count for 80D. Is GST on the health premium deductible? Individual health and life insurance premiums have been exempt from GST since 22 September 2025, so recent premiums carry no GST. For older receipts, the full amount paid, including GST, counted. ## Sources and assumptions - [Income Tax Department](https://www.incometax.gov.in/) Rules and rates last checked on 25 October 2026. Results are estimates for planning and education, not tax, legal or investment advice. Kosh is an educational financial planning tool by Primedepth Labs. It is not a SEBI-registered investment adviser and does not offer personalised investment advice, hold your money or execute trades. Markets carry risk; read scheme documents carefully and consult a registered adviser before acting.