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Section 80D Health Insurance Calculator

↻ Updated FY 2026-27

Calculate your Section 80D deduction on health insurance premiums for self, family and parents — with the ₹25,000/₹50,000 limits, the ₹5,000 preventive check-up sub-limit and the tax you save at your marginal rate. Everything runs in your browser.

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Your inputs
Self & family under 60?
Are your parents senior citizens?
Self / family premium
Limit ₹25,000 (under 60)
Parents' premium
Limit ₹50,000 (senior)
Preventive health check-up
Capped at ₹5,000 within the overall limit
Your marginal tax rate
Highest slab your income falls in (old regime)
Tax saved
₹18,720
at 30% + cess
Eligible deduction
₹60,000
of ₹75,000 max
Maximum 80D limit
₹75,000
self + parents
Deduction used vs maximum
Eligible deduction₹60,000
Limit unused₹15,000
Section 80D breakdown
Self / family premium₹20,000
Preventive check-up (≤ ₹5,000)₹5,000
Self / family eligible (cap ₹25,000)₹25,000
Parents' premium₹35,000
Parents eligible (cap ₹50,000)₹35,000
Total 80D deduction₹60,000
ASSUMPTIONS — FY 2026-27. Section 80D allows ₹25,000for self & family (₹50,000 if a senior citizen) plus ₹25,000 for parents (₹50,000 if senior). Preventive health check-up is included within these limits, capped at ₹5,000. 80D is available only under the old regime. Tax saved = deduction × marginal rate × 1.04 (4% cess). Estimate only — consult a CA.

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Rates, brackets and limits here are checked against primary sources. If a number still looks off, email support@realmoneyiq.com and we'll review and fix it.

RealMoneyIQ provides free educational calculators, not financial, tax, investment or legal advice. Results are estimates based on the assumptions you enter and publicly published rates; your actual outcome will differ. Always confirm decisions with a licensed professional who knows your full situation.