Tax Saving Insurance Plans — 80C & 80D Benefits India | Protekly
Tax Saving Guide FY 2024-25

Save ₹75,000 in Tax
Every Year with Insurance

Section 80C mein ₹1.5 Lakh + Section 80D mein ₹25,000 — sirf insurance se ₹75,000 tak ka tax bachao. Expert guidance bilkul free.

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₹1.5L
80C Max Deduction
₹75K
80D Max Deduction
₹75K
Total Tax Saved
Tax Sections

Kaunsi Insurance Se Kitna Tax Bachta Hai?

Section 80C aur 80D — complete breakdown.

Section 80C
₹1.5 Lakh
Maximum deduction per financial year
  • LIC Premium — All endowment & term plans
  • PPF — Public Provident Fund
  • ELSS Mutual Fund — Best returns + tax saving
  • NPS Tier 1 — Pension fund
  • Home Loan Principal — Repayment
  • Children Tuition Fee — Up to 2 children
Tip: 30% tax bracket — ₹1.5L deduction = ₹45,000 saved in tax!
Section 80D
₹75,000
Maximum deduction (self + senior parents)
  • Self + Family Health Insurance — ₹25,000
  • Parents Health Insurance — ₹25,000
  • Senior Citizen Parents — ₹50,000 (extra)
  • Preventive Health Check-up — ₹5,000
  • Critical Illness Rider — Included
  • Any mediclaim policy premium — Covered
Tip: If parents are senior citizens, claim up to ₹75,000 extra under Section 80D!
Recommended

Best Plans for Tax Saving

Ek saath protection + savings + tax benefit.

80C — ₹1.5L Deduction

LIC Jeevan Anand (Plan 774)

Endowment + Whole life. Premium 80C mein deduct hota hai. Maturity pe tax-free paise.

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80C — ₹1.5L Deduction

ELSS Mutual Fund (SIP)

80C mein deduction + equity returns (12-18% historically). 3 saal lock-in — shortest in 80C.

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80C — ₹1.5L Deduction

PPF (Public Provident Fund)

7.1% guaranteed return, 15 saal lock-in. Safest 80C investment — government backed.

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80D — ₹25,000 Deduction

Family Health Insurance

For self, spouse & children ₹5-10 Lakh cover. Premium 80D mein ₹25,000 deduct.

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80D — ₹50,000 Extra

Senior Citizen Parents Health

60+ saal ke parents ka health plan lo — ₹50,000 EXTRA 80D deduction. Best tax saving!

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80C — ₹1.5L Deduction

Term Insurance Plan

₹50 Lakh cover sirf ₹850/month. Premium 80C mein deduct hoga. Death benefit 10(10D) exempt.

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Deadlines

Tax Saving Deadlines — Don't Miss These!

FY 2024-25 important dates.

  • Dec 31
    2024
    Home Loan, LIC Premium Proof Submit Company ko investment declaration dena hoga — yeh documents ready rakhein.
  • Jan 15
    2025
    LIC Premium Last Payment Policy lapse na ho — aur 80C benefit bhi mile — January mein premium bharo.
  • Mar 31
    2025
    LAST DATE — All 80C/80D Investments Yeh financial year ka aakhri din hai. ELSS, PPF, health insurance — sabhi March 31 se pehle.
  • Jul 31
    2025
    ITR Filing Last Date Income Tax Return mein 80C/80D deductions claim karne ki last date.

Don't miss March 31! Start today if you plan to invest — the process takes just 10 minutes.

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Save ₹75,000 in Tax This Year — Insurance Se!

Protekly ke saath sahi plan chuno — 80C + 80D maximum benefit lo.

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