11 Tax-Saving Strategies Indian Middle Class Overlooks (Practical Steps for 2025)

2. Max Out Section 80D for Health Cover and Preventive Care

Health expenses hit many middle-class families without warning. Section 80D lets you claim insurance premiums paid for yourself, spouse, children, and parents. For senior parents, higher deduction limits typically apply, so insuring parents can be both sensible and tax-efficient. Many people forget that standard preventive health check-ups can be claimed up to a specified cap within 80D — small checks add up when taken every year. Also, separate premium payments for parents and family members should be documented; this helps claim the highest available limits for senior citizens. A practical routine: when you pay a premium, scan the invoice, note the policy number, and file it under the relevant person’s folder (self, spouse, parents). If you don’t already have health cover for elderly parents, check quotes and compare benefits before year-end; paying a premium before March 31 means you can claim it in the current financial year. Simple documentation and timely payments make Section 80D a dependable annual saving.