Section 80D Deduction LimitsWho's CoveredBelow 60Senior Citizen (60+)Super Senior (80+)Self + Family₹25,000₹50,000₹50,000Parents₹25,000₹50,000₹50,000Total Maximum₹50,000₹75,000-1,00,000₹1,00,000💰 Max Tax Saving: If you (below 60) pay premium for yourself + senior citizen parents, total deduction = ₹25,000 + ₹50,000 = ₹75,000. At 30% tax bracket, you save ₹23,400 in taxes. If you're also senior, deduction goes up to ₹1 Lakh saving you ₹31,200.What Qualifies Under Section 80D✅ Health insurance premiums (mediclaim, family floater, super top-up)✅ Preventive health check-up (up to ₹5,000 within overall limit)✅ CGHS contribution (Central Government Health Scheme)✅ Medical expenses for uninsured senior citizens (up to ₹50,000 if no insurance)✗ Life insurance premiums (covered under 80C, not 80D)✗ Dental or vision insurance premiums✗ Group insurance premium paid by employerSmart Tax Planning with Section 80DBuy parents' insurance: Even if parents are retired, pay their premium to claim up to ₹50,000 extra deduction.Use preventive health check-up: Get annual check-ups for family + parents and claim ₹5,000 within the limit.Pay in lump sum before March 31: Ensure premium payment is made before financial year ends.Choose multi-year payment: Premium for 2-3 years paid upfront is divided proportionally for deduction each year.Stack with 80C: 80D is separate from 80C. Total tax savings: ₹1.5L (80C) + ₹75K-1L (80D) = ₹2.25-2.5 Lakh.80D Deduction ExamplesScenarioSelf PremiumParents PremiumPreventive CheckupTotal 80D DeductionTax Saved (30%)Young professional, no parents insurance₹12,000₹0₹5,000₹17,000₹5,304Self + senior parents₹20,000₹45,000₹5,000₹70,000₹21,840Senior self + super senior parents₹40,000₹50,000₹5,000₹95,000₹29,640Frequently Asked QuestionsCan I claim 80D if my employer provides group insurance?

Employer-paid group insurance premiums are not deductible under 80D. However, any additional top-up or personal health insurance you buy and pay for yourself qualifies fully.

Does super top-up premium qualify for 80D?

Yes! Super top-up health insurance premiums are fully eligible under Section 80D. This is one of the best tax-efficient insurance products.

Section 80D Tax Benefits 2025: Save Up to ₹1 Lakh on Health Insurance

By Admin • Feb 23, 2026 • 📖 4 min read

🎯 AD POSITION: BELOW VIDEO
Replace with real AdSense code on live server

Next Article Micro Insurance in India: ₹2 Lakh Cover for Just ₹20/Year (PMJJBY & PMSBY) →

Written By

Admin

Insurance & financial content specialist at PolicyBaazar. Helping Indians make informed insurance decisions with expert analysis and unbiased reviews.

📅 Published: Feb 23, 2026 📖 830 words ⏱️ 4 min read

Section 80D Tax Benefits 2025: Save Up to ₹1 Lakh on Health Insurance

Related Articles

Super Top-Up Health Insurance: Get ₹50 Lakh Cover for ₹4,000/Year

Insurance Ombudsman India: Free Complaint Resolution for Rejected Claims

Cyber Insurance in India 2025: Protect Yourself from Online Fraud & Data Breaches

Health Insurance Explained: How to Pick the Best Mediclaim Policy in India