income-tax

Health Insurance Tax Benefits: Section 80D

Tax deduction under Section 80D for health insurance premiums. Covers self, family, and parents. Limits and eligibility.

GetYourCA Team
1 April 2025·Updated 9 April 20261 min read12.5K views
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Health Insurance Tax Benefits: Section 80D

What is Section 80D?#

Deduction for health insurance premium paid.

Deduction Limits#

Self and Family#

  • ₹25,000 (normal)
  • ₹50,000 (if senior citizen)
  • Add-on: ₹25,000 (critical illness)

Parents (Separate)#

  • ₹25,000 (normal)
  • ₹50,000 (if senior citizen)

Who is Covered?#

  • Self
  • Spouse
  • Children
  • Parents (dependent)

Premium Modes#

  • Cashless, online payments qualify
  • Cheque payments acceptable
  • Premium must be for insurance

Not Eligible#

  • Health cover provided by employer
  • Premium paid in cash > ₹20,000
  • Flats/Units not in India

Conclusion#

80D provides tax benefit plus health cover.

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Disclaimer

We have taken utmost care to research and write this article for your information. However, tax laws are complex and subject to frequent changes. This article is for general guidance only and should not be considered professional advice. Individual circumstances vary significantly — what works for one person may not apply to another.

Before making any tax-related decisions, we strongly recommend consulting with a qualified Chartered Accountant or tax professional who can assess your specific situation. We do not accept any liability for decisions made based on this information.

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