Do You Have to Submit Proof to Make a Claim for Medical Expenses Under 80D?


One of the best methods to earn a tax break is through Section 80D, which offers a tax break on the premiums paid for medical insurance policies. It’s a wise investment because you can protect your family’s finances in the event of sudden medical expenses. You should be aware of any documentation requirements before purchasing the medical coverage and using it to claim medical expenditures under section 80D. **

The Allowable Tax Deductions According to the Income Tax Act of 1961 Section 80D **

The following medical costs are deductible from income under section 80D of the Income Tax Act:

  1. Individuals and Hindu Undivided Families who purchased health insurance premiums (HUF)
  2. The cost of top-up healthcare plans’ premium
  3. Routine health examinations
  4. Seniors’ medical costs that are not covered by any health insurance policies
  5. All payments made to the Central Government’s health programmes

Let’s now look at the amount of tax benefit you can receive **:

  • If you are under 60 years old, you may deduct up to Rs 25,000 for your own insurance as well as the insurance of your spouse and dependant children.
  • The maximum deduction for insurance of oneself, one’s family, and one’s parents is Rs 50,000 (Rs 25,000 + Rs 25,000).
  • The maximum deduction for insurance of oneself, one’s family, and elderly parents is Rs. 75,000 (Rs. 25,000 + Rs. 50,000). The concession for senior folks is up to Rs 50,000.
  • When both of your parents are older than 60 years old, you are eligible to receive up to Rs 100,000 (Rs 50,000 + Rs 50,000) in insurance for yourself, your family, and your parents.
  • HUF members may deduct Rs 25,000 for insurance of themselves, their spouses, and their dependant children, as well as an additional Rs 25,000 for parents’ insurance if all are under the age of 60. It’s a fine idea to have a backup plan in case something goes wrong.
  • You are entitled to a deduction of Rs 5,000 for preventative health exams. However, this deduction must stay within the overall limit of Rs 25,000/50,000. **

Medical Costs are Deductible from Taxes In accordance with Income Tax Act Section 80D

Senior adults may deduct up to Rs 50,000 in medical expenses annually under Section 80D of the Income Tax Act, provided they do not have health insurance. This means you cannot claim an additional deduction for medical coverage if your elderly parent already has a health insurance plan. Only senior citizens are eligible for this tax break. All expenses must be paid for in a method other than cash in order to qualify for the deductions, such as a credit card, net banking, UPI, etc. Make sure you understand which is the best medical insurance and invest accordingly. **

You can even claim a tax deduction of Rs 5,000 for annual preventative health exams, but only up to a maximum of Rs 50,000. Cash is accepted as payment for preventive exams. **

Is Evidence Necessary For 80D Deductions?

Although it is not required by the Income Tax Act Department to keep a record of the expenses made during the year, such as receipts for a health insurance plan premium payments, test results, medical expenses, medical bills, etc., it is advised to do so. This is due to the possibility that when issuing Form 16 to submit your tax returns, your employer may ask you for documentary proof of all the deductions. Secondly, keeping a record of the invoices will make it simpler for you to claim tax deductions if you are submitting tax returns on your own and are not relying on Form 16. **

** Currently, there are 2 tax regimes in India – new and old. To get the tax benefit you desire, choose the correct one after consulting an expert. You can opt for a regime change during the next financial year.

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

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