How much critical illness cover do I need?

Considering India's skyrocketing price of medical treatment costs, you should opt for the critical illness policy with the maximum possible cover. While calculating the critical illness cover amount, consider the factors such as inflation, number of dependent family members, debt obligations, and rising medical expenditures.

What are the documents required for critical illness cover?

If you want to buy critical illness insurance, you need to furnish some basic documents such as proofs of your identity, address and age, etc. In some cases, you may need a medical test report.

Can I get critical illness cover after cancer?

You must disclose your complete medical history at the time of purchase. Your proposal acceptance will be subject to medical underwriting guidelines

Do all insurance providers in India cover the same critical illness?

The list of critical illnesses covered under critical illness insurance differs from one insurance provider to another. Therefore, before applying for a critical illness insurance policy, read the policy wording mentioned on the insurer website. At ICICI Lombard, we offer critical illness for 9 diseases, including cancer, open-chest CABG, and end-stage kidney disease.

What are the tax benefits under a critical illness insurance?

The premium you pay towards critical illness insurance is subject to tax deduction under section 80D of the Income Tax Act, 1961. In addition, the money you receive as a payout of a critical illness claim settlement is also tax-free.

How to select an ideal critical illness cover?

While choosing the ideal critical illness insurance cover, consider illnesses covered, waiting periods, compare premiums from various insurance providers, and then decide.

What are the factors to keep in mind while opting for critical illness insurance?

Before buying critical illness insurance, you should consider a few important aspects. Some of the important factors to keep in mind are the number of illnesses covered, exclusions in the policy, amount of premiums, survival period, claim settlement ratio of the insurer, and sub limitations, among other things.

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Section 80D Health Insurance

Extensive coverage for you and your family

Covers pre- and post-hospitalisation expenses

Protects against high medical costs

0% GST on health insurance ^AO

Health Insurance Tax Benefits Under Section 80D

Health insurance is an investment in your future in more ways than one. Did you know a policy can reduce your tax liability?

Under Section 80D of the Income Tax Act, you can enjoy tax benefits on the premium you pay towards a health insurance policy (for you and your family). You can claim a Section 80D deduction of up to ₹25,000 for yourself and your family, ₹75,000 if your parents are senior citizens, or ₹1,00,000 if both you and your parents are above 60.

If you’re protected by a policy or have recently purchased one, this is your sign to avail of health insurance tax benefits.

What Is Section 80D in Health Insurance?

Section 80D is a provision under the Income Tax Act, 1961 that allows individual taxpayers and Hindu Undivided Families (HUFs) to bring down their taxable income by claiming a deduction on health-related expenses during a financial year.

Who can be covered

Self, spouse, dependent children, and parents (whether dependent or not).

What qualifies

Health insurance premiums, top-up premiums, critical illness rider premiums, and preventive health check-up expenses.

What does not qualify

Premiums paid in cash (except for preventive health check-ups), premiums for siblings, grandparents, in-laws, or working children.

You don’t want to miss out on some valuable tax savings when filing your next return. When you claim a deduction under Section 80D, it means you’re reducing your tax liability. Make sure you understand the provisions of Section 80D and what’s covered!

Section 80D Deduction Limits for FY 2025-26

The Section 80D deduction limit depends on the age of the insured members and the combination of policies you hold. Here is a consolidated view of the maximum limit under 80D:

Scenario	Deduction for Self, Spouse & Children	Deduction for Parents	Maximum Deduction Under Section 80D
You and your parents are all below 60 years	₹25,000	₹25,000	₹50,000
You are below 60; parents are 60 or above	₹25,000	₹50,000	₹75,000
You are 60 or above; parents are 60 or above	₹50,000	₹50,000	₹1,00,000

Note: A deduction of up to ₹5,000 for preventive health check-ups is incorporated within the overall limits shown above, not in addition to it.

For HUFs, the maximum deduction is ₹25,000, or ₹50,000 if any insured member is a senior citizen.

What Expenses Are Covered Under Section 80D?

The Section 80D deduction list is comprehensive, which is exactly why it’s such a valuable provision to keep track of. Here is what qualifies for deduction:

Health insurance premiums

Premiums paid for policies covering self, spouse, dependent children, and parents. This includes base health insurance policies, top-up plans, and critical illness plans.
Critical illness rider premiums

If your policy includes a critical illness add-on, the premium paid for that rider also qualifies for deduction.
Preventive health check-ups

Up to ₹5,000 per year for check-ups covering blood pressure, blood sugar, cholesterol, cancer screenings, and physical examinations. Payment in cash is permitted for this category.
Medical expenses for senior citizens

If a senior citizen (aged 60 or above) does not have a health insurance policy, the medical expenses incurred for their treatment can be claimed as a deduction, up to ₹50,000.
Multi-year premiums

If you pay a lump sum premium for a multi-year policy, the deduction is claimed proportionately across the policy years.

Eligibility Criteria for Claiming 80D Deduction

Before claiming a deduction under Section 80D, make sure you meet the following eligibility conditions.

1
Individual taxpayers: Any individual can claim the 80D deduction on premiums paid for themselves, their spouse, and dependent children.
2
HUFs: HUF members can claim deductions on premiums paid for any member of the family.
3
Parents: Premiums paid for parents, whether financially dependent or independent, are eligible.
4
Senior citizens without insurance: If a senior citizen parent is not covered under a health insurance policy, their medical expenses can still be claimed as tax deductions up to the applicable limit.
5
Dependent children only: Premiums paid for financially dependent children qualify for tax deductions. Independent, working children are excluded.
6
Exclusions: In-laws, siblings, grandparents, and other relatives fall outside the scope of the Section 80D deduction.

Mode of Payment to Claim 80D Deduction

The rules of Sec. 80D are specific about how premiums must be paid for the deduction to apply.

Premiums must be paid via cheque, demand draft, net banking, debit card, or credit card. Cash payments for health insurance premiums do not qualify for deduction.
Only preventive health check-up expenses of up to ₹5,000 can be paid in cash and still claimed as a deduction.
Naturally, the premium must be paid by the individual actually claiming the deduction. Payments made by a third party on your behalf are not eligible.
The deduction applies to the base premium amount only. GST or service charges added to the premium are not eligible for deduction.

Example of Section 80D Deduction Calculation

Here is a practical illustration of how the Section 80D deduction works for a taxpayer with both a self-and-family policy and a parent policy.

Scenario	Details	Premium: Self + Family	Premium: Parents	Deduction Claimed
A	Arjun (29), wife, one child; both parents below 60. Pays ₹14,000 towards his family policy + ₹3,000 on preventive health check-ups. Pays ₹20,000 for parents' policy.	₹14,000 + ₹3,000 = ₹17,000	₹20,000	₹37,000
B	Deepa (44), husband; father (66), mother (59). Pays ₹25,000 for her family policy. Pays ₹48,000 for her parents' policy. Father is a senior citizen, so the ₹50,000 cap applies.	₹25,000	₹48,000	₹73,000
C	Suresh (62), wife (60); parents (both above 70, uninsured). Pays ₹50,000 for his own policy. Claims parents' out-of-pocket medical expenses of ₹42,000 since they have no insurance.	₹50,000	₹42,000 (medical expenses, uninsured seniors)	₹92,000

Note: These are only illustrative examples. Real-life deductions depend on premiums paid and the limits applicable for the relevant financial year.

Section 80D in New Tax Regime vs Old Tax Regime

With the New Tax Regime, several deductions are no longer applicable, including the tax deductions under 80D. Here’s what’s changed:

Feature	Old Tax Regime	New Tax Regime
Section 80D deduction	Yes	No
Premium deduction for self and family	Up to ₹25,000 / ₹50,000	Not applicable
Premium deduction for parents	Up to ₹25,000 / ₹50,000	Not applicable
Preventive health check-up deduction	Up to ₹5,000 (within overall limit)	Not applicable
Tax rates	Higher slab rates	Lower slab rates, but fewer deductions
Best suited for	Taxpayers with significant expenditure on health insurance	Taxpayers with minimal deductions and investments

Under the new tax regime (which became the default regime from FY 2023-24), most deductions, including Section 80D, are not available. Fortunately, this does not mean that you cannot benefit from the deductions at all. Taxpayers who wish to claim 80D income tax deductions must simply opt for the old tax regime when filing their return.

The ICICI Lombard Advantage

Protecting you and your family should absolutely never feel like a financial burden. ICICI Lombard's health insurance plans are built to deliver both comprehensive medical protection and tax savings. With options across individual plans, family floater policies, and senior citizen covers, you can structure your coverage to maximise the health insurance tax benefit available under Section 80D, up to ₹1,00,000, depending on your family's age profile.

The benefits extend into the features of these policies. Cashless hospitalisation, wellness rewards, and a wide network of hospitals make health insurance a financially practical choice beyond just the tax angle.

Things to Keep in Mind While Claiming 80D Deduction

Here are a few important reminders before you file for a deduction under Section 80D:

Family Plans Count Too

Health insurance tax benefits are not just for individual policies. A family floater plan covering your spouse, children, and dependent parents makes you eligible for deductions under Section 80D, so the whole family being on one policy does not mean you lose out on tax savings.

The Base Premium Qualifies, Not the Add-Ons to the Bill

The deduction applies to the health insurance premium itself. GST, service charges, and cess on top of that premium do not qualify, even if they appear on the same receipt. That said, if your policy includes a critical illness cover add-on, the premium paid for that rider does count towards your deduction.

Pay Right, or the Deduction Does Not Apply

Cash payments for health insurance premiums are not eligible for deduction under Section 80D. All other modes, including cheque, demand draft, net banking, and debit or credit cards, are accepted. Importantly, the premium must be paid by the taxpayer claiming the deduction. If someone else pays it on your behalf, neither party can claim the benefit.

How to Claim Deduction Under Section 80D?

You can easily claim a deduction under Section 80D as part of your Income Tax filing process.

Naturally, you need a qualifying health insurance policy first! The policy must cover self, spouse, dependent children, or parents and be issued by a recognised insurer.

Pay the premium (make sure it’s via a non-cash mode)

Use net banking, card, cheque, or demand draft to ensure eligibility.

Keep all documents

Retain your premium payment receipts, the policy certificate, and any preventive health check-up bills. Leave no stone unturned!

Declare in your ITR

When you begin the process of filing your income tax return, select the old tax regime. Here’s how to do that:

Choose “Yes” in ITR-1 or ITR-2 (or)
Select “Yes, within the due date” in the opting-out section under “Personal Information” or “Part A – General” while filing ITR-3, ITR-4, or ITR-5, as applicable.

If your employer or tax authorities ask for documentation, keep premium receipts and the policy document with you as supporting evidence.

Why Health Insurance Is Important Beyond Tax Savings

With health insurance tax benefit under Section 80D, choosing health insurance becomes an easy ‘yes.’ However, to truly safeguard your future (and that of your family), you need to think beyond the obvious.

Financial protection

Covers hospitalisation, surgery, and treatment costs so your savings stay intact.

Rising medical costs

Healthcare costs in India continue to rise each year, and a health insurance policy ensures you are not at risk if emergency strikes.

Comprehensive coverage

Modern policies cover a wide range of conditions and treatments.

Cashless treatment

Access to a large hospital network means you can receive treatment without arranging funds upfront.

Family security

A single family floater policy extends financial protection to your entire household under one cover.

Peace of mind

Perhaps the most important benefit is knowing that a medical emergency will not affect your financial stability.

Health Insurance Blog Articles

Safe Fasting Tips for a Healthy Body

The article explains practical fasting tips, including balanced meals, hydration, energy management, and safe eating habits before and after fasting. It also highlights common fasting mistakes and the role of health insurance in covering medical consultations, diagnostics, and emergency treatment expenses.

04 Jun 2026

What is Childhood Developmental Disorder in Children?

This article explains childhood developmental disorders, including possible causes, common symptoms and methods used for diagnosis and early identification. It also highlights treatment support requirements and explains how health insurance can help manage long-term expenses related to therapies and medical care.

01 Jun 2026

Knee Pain in Ageing Parents & Benefits Of Health Insurance

The article discusses common causes and symptoms of knee pain in ageing parents, along with treatment options such as physiotherapy, medication, and surgery. It also explains preventive measures and how health insurance helps manage consultation, treatment, and hospitalisation expenses.

30 May 2026

Most Common Surgeries for Elderly: Complete List & Risks

The article covers common surgeries performed in elderly patients, including cataract, knee replacement, cardiac, and spinal procedures. It explains recovery risks, post-surgery considerations, and the importance of senior citizen health insurance in managing hospitalisation, treatment, and follow-up care expenses.

26 May 2026

Diabetes in Women: All You Need to Know

The article explains common symptoms, causes, and risk factors linked to diabetes in women. It also covers lifestyle changes for blood sugar management and highlights the importance of health insurance in covering consultations, tests, medicines, and long-term treatment costs.

24 May 2026

Complete Guide on Fraudulent Health Insurance Claims

The article explains different types of fraudulent health insurance claims, including fake treatments, inflated bills, forged documents, and identity misuse. It also covers legal consequences under Indian law and highlights how accurate claim filing supports smoother claim processing and policy continuity.

22 May 2026

What is Health Insurance Claim Investigation Process?

The article explains the health insurance claim investigation process, including claim verification, document checks, investigation triggers, and insurer review procedures. It also lists the documents required and practical steps policyholders can take to avoid delays and ensure smoother claim settlement.

21 May 2026

Nutrition for Kids & the Need for Insurance: An Early Start to Wellness

The article covers the importance of balanced nutrition for children, including essential nutrients, healthy eating habits, hydration, and meal routines.

20 May 2026

Summer Health Safety Tips for the Whole Family

The article explains practical summer safety measures for families, including hydration, outdoor precautions, home cooling methods, and recognising heat stress symptoms.

19 May 2026

Self-Inflicted Injuries: Causes, Signs, and Support Options

Self-inflicted injuries refer to intentional harm without suicidal intent, often linked to emotional distress. The article covers common types, triggers, warning signs, treatment options, and how support systems and health insurance coverage play a role in managing recovery.

06 May 2026

Difference Between Riders and Add-on Covers in Health Insurance

Riders and add-on covers in health insurance provide extra protection beyond base plans. It explains differences in coverage, purchase options, duration, and benefits, helping in choosing suitable options to manage medical expenses and improve overall insurance coverage.

03 May 2026

List of Modern Treatments Covered Under Health Insurance

Modern treatments in health insurance include advanced procedures like robotic surgery, immunotherapy, and stem cell therapy. It explains coverage rules, sub-limits, waiting periods, and documents required to claim expenses under policies based on medical necessity and insurer terms.

02 May 2026

Essential Vitamins for Women That You Need to Know

Essential vitamins for women such as folate, vitamin D, B12, and vitamin C support energy, immunity, and bone health. The article explains their importance, sources, and how preventive care and health insurance support regular checkups and early detection of deficiencies.

02 May 2026

4.8
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Based on 3,011 reviews

Good experience. The salesperson offered her support till the end of the transaction and provided me with all the possible solutions to my issues. It took me 2-4 days to finalise the mediclaim policy, but I got a great response from her. Thank you.

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My experience of purchasing a health insurance policy from ICICI Lombard was smooth and really easy, thanks to the competence of the executive. He made sure I understood the key features and benefits of the plan, such as cashless hospitalisation and coverage for day-care expenses. He was patient with me throughout the interaction. Thanks, appreciate it.

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Thanks to the proactive nature of the agent, I was able to get my health insurance renewed on time. My conversation with him was polite and informative. The organisation is lucky to have people like him who understand and care about customers.

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The agent at ICICI Lombard was extremely knowledgeable and had a good attitude towards me as well as his job. It was a pleasure to interact with him and learn about the various terms and inclusions of the policy.

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I am satisfied with the service provided by your agent. She made sure I wasn’t confused about any of the policy features and benefits and clarified all my doubts in an instant. I couldn’t have asked her for more. Great job!

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Good experience at ICICI Lombard. The agent listened to me and understood my needs before making any suggestions about the mediclaim policy. I am glad that it was a wonderful interaction. Thanks a lot.

I received flawless support from your salesperson when I approached ICICI Lombard to buy a health insurance policy. He was completely supportive of my needs and helped me fufil them by advising me on the right plan. My overall experience with him as well as the organisation was worthy of five stars.

Had one of the best experiences ever with the customer care department of an organisation. The agent was very precise while giving out information about the mediclaim policy and made sure the one he persuaded me to buy aligned with my requirements. Please continue serving people with the same enthusiasm and care.

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Excellent discussion with the agent from ICICI Lombard. It led to me buying the health insurance policy because I was confident in her judgement and understanding of my needs. I would like to rate her 10 out of 10 for the wonderful support.

The executive was clear in her communication. She knew the product well and convinced me to enhance my sum insured with her logic. This is the first time someone from the organisation spoke to me with clarity about the product. I'm sure whatever is explained to me will appear in the policy document, which I am yet to check.

FAQs

What is the maximum deduction under Section 80D?

Section 80D permits deductions up to ₹25,000 for premiums paid for self, spouse, and children, plus ₹25,000 for parents, and ₹50,000 for senior citizens (60+), allowing a total maximum deduction of ₹1,00,000.

Can I claim 80D in new tax regime?

No, you cannot claim 80D in the new tax regime.

Can parents' medical bills be claimed?

Yes, parents’ medical bills can be claimed up to ₹50,000 under Section 80D.

Can I pay premium in cash?

No, use net banking, card, cheque, or demand draft to pay premium.

Can I claim ₹75,000 under 80D?

Yes, you can claim up to ₹75,000 under Section 80D if you are paying premiums for yourself (under 60) and for parents who are above 60 years of age.

What documents are required?

You will require premium payment receipts, the policy certificate, and any preventive health check-up bills.

Got questions? Let's talk! Share your contact details and we'll give you a call.

Thank You for your interest in our product.

Section 80D Health Insurance

Health Insurance Tax Benefits Under Section 80D

What Is Section 80D in Health Insurance?

Who can be covered

What qualifies

What does not qualify

Section 80D Deduction Limits for FY 2025-26

What Expenses Are Covered Under Section 80D?

Health insurance premiums

Critical illness rider premiums

Preventive health check-ups

Medical expenses for senior citizens

Multi-year premiums

Eligibility Criteria for Claiming 80D Deduction

Mode of Payment to Claim 80D Deduction

Example of Section 80D Deduction Calculation

Section 80D in New Tax Regime vs Old Tax Regime

The ICICI Lombard Advantage

Things to Keep in Mind While Claiming 80D Deduction

Family Plans Count Too

The Base Premium Qualifies, Not the Add-Ons to the Bill

Pay Right, or the Deduction Does Not Apply

How to Claim Deduction Under Section 80D?

Pay the premium (make sure it’s via a non-cash mode)

Keep all documents

Declare in your ITR

Why Health Insurance Is Important Beyond Tax Savings

Financial protection

Rising medical costs

Comprehensive coverage

Cashless treatment

Family security

Peace of mind

Health Insurance Blog Articles

Safe Fasting Tips for a Healthy Body

What is Childhood Developmental Disorder in Children?

Knee Pain in Ageing Parents & Benefits Of Health Insurance

Most Common Surgeries for Elderly: Complete List & Risks

Diabetes in Women: All You Need to Know

Complete Guide on Fraudulent Health Insurance Claims

What is Health Insurance Claim Investigation Process?

Nutrition for Kids & the Need for Insurance: An Early Start to Wellness

Summer Health Safety Tips for the Whole Family

Self-Inflicted Injuries: Causes, Signs, and Support Options

Difference Between Riders and Add-on Covers in Health Insurance

List of Modern Treatments Covered Under Health Insurance

Essential Vitamins for Women That You Need to Know

Reviews and ratings

4.8

Tapas Varshney

Rajiv Singh

Sujith E. Job

Rahulkumar Kalubhai Mer

Bhawani Shankar Panda

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Trevor

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Deepika

Kumar Saket

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Gargie Rajmohan

Ravindar Asani

Himanshi P. Chaurasia

Vishwanath P.

Jagnarayan R. Chowdhary

Ajju Antony

Vishal Palla

Sourabh Banerjee

Kumar Ganesh

Palash Patra

Shekhar

Adibabu Vemavarapu

Abhishek Parihar

Raju

Ravi Ranjan