If you want to avail of a preventive health check-up, the government is giving you an incentive of tax deductions up to Rs5000. If you are in the highest tax bracket and spend Rs5000 on these tests, you will effectively be spending only Rs3,500 due to tax savings. Just ensure that you are not crossing the Section 80D limit of Rs15,000 or Rs20,000 for senior citizens. So, if your health insurance premium is less than Rs10,000, you can get full benefit with the Rs5,000 limit for a preventive health program (PHP). Senior citizens will benefit even more due to higher limit of 80D. The question is whether you really need it? If so, is Rs5,000 enough for a preventive health check-up? PHP is often hard-sold to people. The fact that the finance ministry has made PHP eligible for tax savings has spelt happy days for marketers of health services, a segment that is galloping at 15% every year.