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Tax season

Tax benefits on insurance, made tangible.

How Section 80C, 80D, and the new vs old regime actually move your refund. Worked examples — not generic copy.

What insurance premiums qualify
Two sections, two ceilings, one regime decision.

Section 80C — Life insurance

Premiums on any life insurance policy (term, endowment, ULIP, money-back) qualify, up to a combined cap with EPF, ELSS, PPF, and home-loan principal.

Up to ₹1,50,000

Section 80D — Health insurance

Premiums for self + family up to ₹25,000 (₹50,000 if you're 60+). Add another ₹25,000 / ₹50,000 for premiums paid for parents.

Up to ₹1,00,000

Both 80C and 80D are only available under the old tax regime. The new regime offers a higher standard deduction and lower slabs, but no 80C/80D. Run the numbers below before locking your regime for the year.

Old vs new regime — your numbers
Enter your gross income and insurance premiums. We compute both regimes and show the better one.

Your numbers

80C claimable
₹1,30,000 / ₹1,50,000
80D claimable
₹25,000 / ₹50,000
Total deductions (old regime)
₹1,55,000

Old regime tax

₹2,09,040

Taxable: ₹13,45,000

New regime tax

₹1,30,000

No 80C/80D applied

The new regime saves you ₹0 this year. Of this, ~₹15,600 is attributable to insurance premiums.

Approximate. Excludes surcharges, capital gains, NPS (80CCD-1B), home-loan interest, HRA, and other deductions. Treat as a directional comparison; consult a CA for filing.

Common questions