CALCULATOR Updated for Financial Year 2025-26 (Assessment Year 2026-27) Tax Provisions
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Premium & Tax Savings Calculator

Adjust the sliders below to estimate your annual policy premium, discover your Section 80D / 80C tax deduction, and view net savings with our promotional discounts.

Policy Configuration

Primary Insured Age 32 years
18 yrs 45 yrs 75 yrs
Sum Insured (Coverage Amount) ₹15 Lakhs
₹5 Lakhs ₹50 Lakhs ₹1 Crore

Unlocks additional Section 80D tax exemption up to ₹50,000 for parents' premium.

Note: Premium estimates are derived from median market pricing across Star Health, HDFC ERGO, ICICI Lombard, and Max Life. Tax computations assume the Old Tax Regime 30% slab rate + 4% cess.

ESTIMATED COMPUTATION

Summary & Savings

Real-time quote with verified discount code applied

Standard Annual Premium: ₹13,590
Promo Discount (Voucher): - ₹2,990 (22% OFF)
Net Insurer Premium: ₹10,600
Tax Saved via 80D/80C: ₹4,239
Effective Net Burden: ₹6,361
💡 Smart Hack: Choosing a 2-year or 3-year multi-year tenure policy locks in today's rate and applies an additional 10% multi-year discount while allowing proportional 80D deductions in each financial year!
View Verified Promo Codes for This Policy →
Income Tax Act

Section 80D Health Insurance Tax Deduction Limits

Summary of allowable deductions for Indian taxpayers under the Old Tax Regime:

Category Self, Spouse & Children Parents Max Deduction Limit
Self & Parents below 60 yrs ₹25,000 ₹25,000 ₹50,000
Self below 60 & Parents 60+ (Senior) ₹25,000 ₹50,000 ₹75,000
Self 60+ & Parents 60+ (Both Senior) ₹50,000 ₹50,000 ₹1,00,000
Read our in-depth Section 80D & 80C Tax Guide →