80D kya hai? Yeh Income Tax ki woh dhaara hai jo health insurance ka premium bharne walon ko tax me chhoot deti hai. Har saal hazaaron log Health Insurance lete hain lekin 80D ka poora fayda nahi utha paate, kyunki iske do alag-alag hisse (buckets) aur seemayein samajhna zaroori hai. Aaiye poori jaankari lete hain.
80D Kya Hai?
Dhaara 80D ke tahat aap apne, apne jeevan saathi, aashrit bachchon aur mata-pita ke health insurance premium par tax deduction le sakte hain. Yeh chhoot keval vyakti (individual) aur HUF ko milti hai, aur keval old tax regime me — new regime me 80D ka fayda nahi milta. Nivesh par milne wali chhoot ke liye dhaara 80C ki guide padhein.
80D Me Kitni Chhoot Milti Hai? (Seema 2026)
Do alag hisse hain, dono ki seema alag:
Hissa 1 — Khud, jeevan saathi aur aashrit bachche
- 60 saal se kam umra: ₹25,000 tak
- 60 saal ya zyada: ₹50,000 tak
Hissa 2 — Mata-pita (alag se)
- Mata-pita 60 se kam: atirikt ₹25,000 tak
- Mata-pita 60 ya zyada: atirikt ₹50,000 tak
- Mata-pita ka aap par aashrit hona zaroori NAHI hai — premium aap bharte hon, bas
Kul adhiktam
Dono hisse milakar adhiktam ₹1,00,000 tak (jab dono peedhiyon me senior citizen hon). Aam taur par 30–55 saal ke vyakti ke liye vyavharik adhiktam ₹75,000 hota hai (khud ₹25,000 + senior mata-pita ₹50,000).
Preventive Health Checkup Aur Bina Bima Wale Senior Citizens
- Preventive health checkup par ₹5,000 tak har hisse ki seema ke andar milta hai — iske liye nakad bhugtan bhi chalega
- Agar 60+ ke mata-pita ka koi health insurance nahi hai, to unke ilaaj par hua asli kharcha ₹50,000 tak chhoot yogya hai
- Premium ka bhugtan nakad me NAHI hona chahiye (checkup wale ₹5,000 ko chhodkar) — online, cheque ya card se bhugtan karein
Udaharan — Kitna Tax Bachega?
- Umra 35, khud+patni+bacche ka premium ₹20,000, senior mata-pita ka premium ₹40,000 → kul deduction ₹60,000
- 30% slab me ₹60,000 deduction par lagbhag ₹18,000 tax bachta hai (cess alag se)
- 80D kya hai, yeh samajhna zaroori hai — sirf health wala hissa gina jata hai; term plan ke saath health rider ho to insurer se health hisse ka breakup likhit me lein
80D Ka Claim Kaise Karein? (Steps)
- Vitt varsh me bhare gaye premium ki raseedein sambhal kar rakhein
- Premium ka bhugtan non-cash mode me karein
- Salaried hon to employer ko premium receipts dein taaki TDS kam kate
- ITR bharte samay 80D me deduction dikhayein
Aam Galtiyan
- New regime me hone ke baad bhi 80D ki ummeed rakhna — new regime me yeh deduction nahi milti
- Premium nakad me bharna — nakad premium par chhoot nahi milti
- Mata-pita wale hisse ko bhool jana — yeh khud ke hisse se ALAG atirikt seema hai
Aadhikarik Srot
Yeh sirf jaankari hai, financial advice nahi hai. Tax niyam vyaktigat sthiti par nirbhar karte hain — faisle se pehle CA ya tax salahkar se salah lein.