Health insurance sirf medical kharche se bachata nahi, tax bhi bachata hai. Section 80D me aap khud, family aur parents ke health insurance premium par deduction claim kar sakte hain. Lekin ye deduction sirf old tax regime me milta hai, isliye kitna fayda hoga ye pehle compare karna zaroori hai.
Quick Summary
- Self, spouse aur dependent children: ₹25,000 (senior citizen hone par ₹50,000)
- Parents ke liye alag: ₹25,000 (senior citizen parents ke liye ₹50,000)
- Zyada se zyada deduction: ₹1 lakh (dono taraf senior citizens hon to)
- Preventive health check-up ₹5,000 tak, isi limit ke andar
- Ye deduction old regime me hai, new regime me nahi
80D Ki Limits: Kitna Deduction Milta Hai
| Kiske liye premium | Normal (60 saal se kam) | Senior citizen (60+) |
|---|---|---|
| Self, spouse, dependent children | ₹25,000 | ₹50,000 |
| Parents (dependent ho ya nahi) | ₹25,000 | ₹50,000 |
| Maximum total | ₹50,000 | ₹1,00,000 |
Yaani agar aap 40 saal ke hain aur parents 65 saal ke hain, to aap khud ke liye ₹25,000 aur parents ke liye ₹50,000, total ₹75,000 tak claim kar sakte hain. Agar aap khud aur parents dono senior citizens hain, to total ₹1 lakh tak.
Preventive Health Check-Up
Preventive health check-up ke kharche par ₹5,000 tak ka deduction milta hai. Ye alag se nahi milta, balki upar wali limits ke andar hi shamil hai. Iska fayda ye hai ki is par payment cash me bhi kar sakte hain, baaki premium ke liye digital payment zaroori hai.
Example
Aap 35 saal ke hain, apne aur family ke liye ₹20,000 premium dete hain aur ₹5,000 ka health check-up karwate hain. Self-category ki limit ₹25,000 hai, to ₹25,000 (₹20,000 + ₹5,000) tak deduction milega.
Payment Aur Eligibility Ke Rules
- Premium bank, card, UPI ya cheque jaise non-cash tareeke se pay karna chahiye. Cash premium par deduction nahi milta (sirf preventive check-up iska exception hai)
- Individual ya HUF claim kar sakta hai. Company ya firm ko 80D nahi milta
- Parents ka premium bhi aap claim kar sakte hain, chahe wo aap par dependent na hon, lekin premium aapko khud pay karna hoga
- Sasural waalon (in-laws) ka premium claim nahi ho sakta
- Life insurance ya critical illness ka rider health insurance ke part me aata hai, lekin pure life insurance premium 80D me nahi aata
- Senior citizen ke paas insurance na ho to medical expenditure par bhi ₹50,000 tak claim ho sakta hai (cash me bhi), lekin tab wo insurance premium ke saath claim nahi ho sakta
Old Regime Vs New Regime
80D sirf old tax regime me milta hai. Agar aap new regime me hain, to is deduction ka fayda nahi milega. Kaun sa regime aapke liye sahi hai, ye slabs comparison aur Income Tax Calculator se check karein. Bina 80D ke bhi new regime kabhi kabhi zyada bachata hai, isliye total deductions ka hisaab lagana zaroori hai.
Income-tax Act 2025 me health insurance deduction ka section number badal kar Section 126 ho gaya hai. Limits aur rules ka basic structure wahi hai. Sabhi deductions ki detail 80C se 80U guide me hai.
Claim Karne Ke Steps
- Premium ki receipt aur policy certificate sambhal kar rakhein
- Bank statement me premium ki payment ka proof rakhein
- ITR me deduction ka section aur amount sahi jagah bharein
- Parents ka alag premium ho to alag dikhayein
- Employer se health insurance mila ho to uska treatment check karein
Kaun sa regime aapke liye behtar hai aur 80D ka kitna fayda milega, ye hamari ITR Filing service me tax planning ke saath bataya jaata hai. Free consultation book karein.
Frequently Asked Questions
Kya parents ka health insurance hum claim kar sakte hain?
Haan, agar premium aap pay karte hain. Parents dependent ho ya nahi, is se fark nahi padta. Limit ₹25,000, ya senior citizen parents ke liye ₹50,000.
Kya cash me premium pay karne par 80D milta hai?
Nahi. Sirf preventive health check-up cash me pay kar sakte hain. Premium ke liye banking channel zaroori hai.
Kya new regime me 80D milta hai?
Nahi, 80D sirf old tax regime me available hai.
Employer ka group insurance aur personal policy dono claim ho sakti hain?
Employer ka group insurance aapki income me perquisite nahi gina jaata. 80D me sirf wo premium claim hota hai jo aapne khud pay kiya hai.
Ye jaankari 30 September 2026 tak ki hai. 1 April 2026 se Income-tax Act, 2025 lagu ho chuka hai, jisme sections ke number badal gaye hain (is article me purane section numbers isliye diye gaye hain ki aap unhe pehchaan sakein). Rules aur rates Budget me badalte rehte hain, isliye apne case ke liye hamse consult karein.