Health insurance deduction (s.80D)
Two stacked blocks: self/family + parents, each lifted when a senior is insured. Preventive health check has a small sub-limit within the ceiling. Old regime only.
Self/family side: ₹23,000
Parents side: ₹40,000
Total 80D deduction: ₹63,000
Mental-health treatment is included — since the 2018 IRDAI mandate every health policy must cover mental illness on par with physical illness.
Old regime only — not available under s.115BAC.
Full guide: section 80D → · Money stress and mental health →
NOT financial advice - seek advice from a professional for your specific situation
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