INCOME TAX · DEDUCTIONS AND SAVINGS
Section 80D: Health Insurance Deductions for You and Your Parents
Understand the separate family and parents limits, senior-citizen rules, payment conditions and preventive check-up deduction.
By Vyapar Setu Online | Deductions and savings · 26 October 2026
Income Tax learning series · Deductions and savings · Article 12 of 27
A health-insurance payment can protect your finances and may also qualify for a deduction. To calculate it correctly, keep your own family’s payments and your parents’ payments in separate buckets.
Year guide: Numerical limits, examples and familiar section numbers in this article refer to FY 2025–26 / AY 2026–27 under the Income-tax Act, 1961, unless stated otherwise. Income from 1 April 2026 belongs to Tax Year 2026–27 under the Income-tax Act, 2025, with corresponding provisions and numbering. Check the year before applying a rule. Official transition guidance.
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For learning and preparation. Verify the rules and official guidance for your period and circumstances before making a filing or tax decision.
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