ITR
Medical expenses for senior parents without insurance
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Facts
Yes, under 80D. Medical expenditure on a senior citizen with no health insurance can be claimed up to ₹50,000, within the same limit as senior parents' premium.
Provisions and law
- Sec 80D, Income-tax Act 1961 (now Sec 126)Health insurance deduction up to ₹25,000 for self, spouse and children (₹50,000 if senior) and another ₹25,000 for parents (₹50,000 if senior), with ₹5,000 for preventive check-up inside these limits.
Analysis
If you paid ₹62,000 in doctor and hospital bills for your father, you can claim ₹50,000. Payment must be by non-cash mode. If you also pay any premium for him, the combined limit for parents stays ₹50,000.
Conclusion
- Collect medical bills and payment proof.
- Confirm he has no health insurance.
- Claim up to ₹50,000 under 80D.
- Use the old regime.
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