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 Yes, "it is free only if, you are a taxpayer. Most of the population in India is not covered under health insurance and depends on their savings or borrowing for Hospital expenses. But the government also encourages everyone to buy medical insurance and allows you to avail of tax deductions under Section 80D.   What is Section 80D? Every individual or HUF can claim a deduction from their total income for medical insurance premiums paid in any given year under Section 80D. This deduction is also available for top-up health plans and critical illness plans. The deduction benefit is available not only for a health insurance plan for self but also for buying the policy to cover spouse, or your dependent children or parent. The best part is that it is over and above the deductions claimed under Section 80C. Who is eligible for deduction under Section 80D? Deduction for medical insurance premiums and medical expenses for senior citizens is allowed to the Individual or HUF category ...