About this tool

Section 80D Health Insurance Deduction Calculator

Compute your Section 80D deduction for self, family, parents and senior citizens, including the preventive checkup cap.

Section 80D Health Insurance Deduction Calculator adds up the medical insurance deduction you can claim under the old tax regime for FY 2025-26: up to Rs 25,000 for yourself, your spouse and dependent children, rising to Rs 50,000 if you or your spouse is 60 or older, plus a separate Rs 25,000 or Rs 50,000 bucket for parents. It also applies the Rs 5,000 preventive health check-up cap, which sits inside those limits rather than on top of them, and the medical-expenditure route open to uninsured senior citizens.

How to use Section 80D Health Insurance Deduction Calculator

1. 1

   Open Section 80D Health Insurance Deduction Calculator on AltFTool — it loads instantly in your browser.

2. 2

   Enter the values you already know.

3. 3

   Fine-tune the options to match your scenario.

4. 4

   Read the result and use it in your planning or reporting.

Why use Section 80D Health Insurance Deduction Calculator

• Two separate buckets

  Self-and-family and parents are calculated independently, so a Rs 50,000 parents claim is never squeezed by your own premium.

• Preventive cap done right

  The Rs 5,000 check-up allowance is counted inside the section limits and shared across both buckets, not added twice.

• Shows what you cannot claim

  Highlights spend that falls outside the limits and the tax saved at your slab rate plus 4% cess.

Common use cases

• A 35-year-old paying Rs 22,000 for a family floater and Rs 38,000 for senior-citizen parents, checking the combined claim.
• Someone who spent Rs 8,000 on health check-ups wanting to see how much of it actually counts against the Rs 5,000 cap.
• A taxpayer with uninsured 75-year-old parents claiming their medical bills under the Rs 50,000 expenditure route.

Frequently asked questions