“ArthVeda” par Health Insurance ke bare mein jankari dena bahut zaroori hai, kyunki ye na sirf bimaariyon se bachata hai balki Section 80D ke tahat Tax bachane ka sabse bada zariya bhi hai.
Niche Health Insurance se jude tax benefits ki poori detail di gayi hai jo aapki website ke liye perfect hai.
Health Insurance & Section 80D (Tax Benefits 2026)
Health insurance ka premium bharne par aapko Section 80C ke ₹1.5 Lakh ke alawa extra tax chhoot milti hai. Iski limit is baat par depend karti hai ki insurance kiska hai aur unki umar (age) kya hai.
1. Tax Deduction ki Limit
| Insured Person (Kiska Bima hai) | Age (Umar) | Deduction Limit |
| Self, Spouse & Children | < 60 Years | ₹25,000 |
| Self & Spouse (Senior Citizen) | > 60 Years | ₹50,000 |
| Parents (Non-Senior) | < 60 Years | ₹25,000 (Extra) |
| Parents (Senior Citizen) | > 60 Years | ₹50,000 (Extra) |
Maximum Benefit: Agar aap (age < 60) apne liye aur apne senior citizen parents ke liye premium bharte hain, toh aap total ₹75,000 ($25,000 + 50,000$) tak ki chhoot le sakte hain. Agar aap khud bhi senior citizen hain, toh ye limit ₹1 Lakh tak ja sakti hai.
2. Preventive Health Check-up (₹5,000 ki Chhoot)
Sarkar aapko har saal health check-up karane ke liye ₹5,000 ki extra deduction deti hai.
- Ye ₹5,000 upar di gayi total limit (25k ya 50k) ke andar hi shamil hota hai.
- Iska fayda ye hai ki agar aapne health check-up ke liye cash mein bhi payment kiya hai, toh bhi aap ise claim kar sakte hain (Jabki insurance premium sirf digital/cheque se bharna zaroori hai).
3. Medical Expenditure (Bina Insurance ke Kharch)
2026 ke rules ke mutabiq, agar aapke Senior Citizen parents ka koi health insurance nahi hai, toh aap unke ilaaj (Doctor fees, dawaiyan, tests) par hone wale kharch ko bhi Section 80D mein claim kar sakte hain.
- Iski limit bhi ₹50,000 saalana hai.
ArthVeda Checklist: Health Insurance lete waqt dhyan rakhein
- Cash Payment mat karein: Tax chhoot lene ke liye premium hamesha Net Banking, UPI, ya Card se bharein.
- Dependent Children: Sirf unhi bacchon ka premium claim kar sakte hain jo aap par nirbhar (dependent) hain.
- Group Insurance: Agar aapki company ne aapko free health insurance diya hai, toh aap uspar tax deduction claim nahi kar sakte (kyunki premium company ne bhara hai).
Bilkul, “ArthVeda” ke readers ke liye health insurance chunte waqt ye 5 baatein sabse zyada zaroori hain. Inhe dhyan mein rakh kar koi bhi ek sahi aur sasti policy chun sakta hai:
Health Insurance Policy Lete Waqt 5 Badi Baatein (ArthVeda Checklist)
1. No Room Rent Cap (Kamre ke kiraye par koi limit nahi)
Kayi purani ya sasti policies mein room rent par limit hoti hai (jaise total sum insured ka 1%).
- Nuksan: Agar hospital ke room ka rent ₹10,000 hai aur aapki limit ₹5,000 hai, toh hospital ke baaki saare kharch (doctor fee, surgery, etc.) bhi usi ratio mein aapko apni jeb se dene honge.
- Tip: Hamesha “No Room Rent Capping” wali policy hi chunein.
2. Pre-Existing Diseases (Purani bimaariyan)
Agar aapko pehle se koi bimaari hai (jaise Diabetes ya BP), toh insurance company use turant cover nahi karti. Iske liye ek “Waiting Period” hota hai (usually 2 se 4 saal).
- Tip: Aisi policy lein jiska waiting period sabse kam ho. Aaj kal kuch companies extra premium lekar ise khatam bhi kar deti hain.
3. Restoration Benefit (Paisa khatam hone par refill)
Maan lijiye aapne 5 lakh ka insurance liya aur ek hi baar mein pura paisa ilaaj mein kharch ho gaya. Restoration benefit us 5 lakh ko wapas refill kar deta hai taaki saal ke bache hue dino mein koi aur bimari ho, toh aapka cover bana rahe.
- Tip: Ye feature “Unlimited Restoration” ke saath ho toh best hai.
4. Co-payment Clause (Apni jeb se hissa)
Kuch policies sasti milti hain lekin unme “Co-pay” hota hai. Iska matlab hai ki har bill ka 10% ya 20% aapko apni jeb se bharna hoga.
- Tip: Hamesha “Zero Co-payment” wali policy chunein, khaas kar agar aapki umar kam hai. Senior citizens ke liye co-pay thoda common hota hai.
5. Claim Settlement Ratio (CSR) aur Network Hospitals
- CSR: Check karein ki company ne pichle saal 100 mein se kitne claims pass kiye. 95% se upar ka ratio accha mana jata hai.
- Network Hospitals: Dekhein ki aapke aas-pass ke bade hospitals us company ki list mein hain ya nahi, taaki aapko Cashless treatment mil sake.
Pro Tip for ArthVeda: Policy hamesha Young Age mein leni chahiye, kyunki tab premium sasta hota hai aur aapka waiting period tabhi khatam ho jata hai jab aap healthy hote hain.