How much can I claim under Section 80D for health insurance?
Section 80D allows a deduction (old regime) of up to ₹25,000 for health-insurance premiums for yourself, spouse and children, plus another ₹25,000 for parents — rising to ₹50,000 if the parents are senior citizens. A ₹5,000 sub-limit for preventive health check-ups is included within these amounts.
1The limits
₹25,000 for self/family; +₹25,000 for parents (₹50,000 if senior citizens). If both you and your parents are senior citizens, the maximum is ₹1,00,000. Preventive check-ups up to ₹5,000 count within the limit.
2Conditions
The premium must be paid by any mode other than cash (cash is allowed only for preventive check-ups). 80D is available only under the old regime.
Frequently asked questions
Can I claim 80D for my parents' medical bills if they have no insurance?
Yes — for senior-citizen parents without health insurance, medical expenditure up to ₹50,000 can be claimed under 80D. Keep the bills and pay by non-cash mode where possible.
Related reading
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General information for AY 2026-27, not professional advice. Laws change with each Finance Act, notification or amendment and depend on your specific facts — verify the current position with a licensed CA or advocate before acting.