Deduction of Medical Expenses despite having no health insurance!! | Individuals | Income Tax | 80D

[@sukumarane2302]

_Case of a senior citizen payments made online _ If I claim expenditure under a health insurance policy for a *specified* disease and the amount reimbursed is one Lakh only which is less than the actual expenditure of Rs 3 Lakhs , then can I claim deductions for the remaining amount of Rs 2 Lakhs under Section 80D and Section 80DDB? 1) a deduction of up to Rs 50,000 under Section 80D (for medical expenses not reimbursed by insurance 2) a deduction of up to Rs 1,00,000 under Section 80DDBspecified disease treatment simultaneously Since the total deduction claimed under both sections cannot exceed the remaining unreimbursed amount Rs 2 Lakh ? B) case 2:- where no health insurance policy exists! .. Can I claim 80D and 80DDB simultaneously?

[@accountx]

1) If you have health insurance, then no deduction u/s 80D for medical expenses/treatment except for preventive health check up for a max of ₹5k. U/s 80DDB, for senior citizens, subject to satisfaction of specified conditions, you may avail deduction up to ₹1 lac (out of remaining ₹2 lac). 2) When there is no health insurance, senior citizens can claim deductions under both, subject to limits specified. Note: Deduction u/s 80DDB is towards medical treatment for specified disease.

[@sukumarane2302]

Regarding reply (1) , you have pointed out no deduction under 80 D for medical expenses OK …. but can claim Rs 50000/- for premium paid for health insurance ,Isn’t?

[@anjandas3045]

Madam, my father and mother is senior citizen and he/she has no medical insurance. My query is whether year round medical expenses such as, medicines, ct scan test, blood tests and other medical tests expenses as prescribed by doctor are eligible under 80d medical expenditure?

[@accountx]

Yes

[@jstechcode6932]

What if medical insurance are taken in cash ? How Tax authorities validate these ? What if I fill this in ITR without any proof ?

[@accountx]

IT dept may not know at the time of filing ITR because info in Income tax return is self declared and self assessed. However, if any notice is issued subsequently and if this matter comes up at that time, then you may be asked to reverse it and pay interest and penalty.

[@jstechcode6932]

@@accountx thanks mam, I hope penalty is not that much and will be applicable on the insurance amount only

[@anbalaganravindran9440]

Very clear explanation thank you

[@accountx]

Thanks for watching

[@erhemantkumar1987]

Hello mam, can i claim 80d deduction inr 5000/- for preventing health checkup for my mother (below 60 yr, 54 yrs) without purchasing medical health insurance policy? My mother is family pensioners and not medically insured by government.

[@accountx]

Yes, you may.

[@priyojitdas]

mediclaim policy propose is wife but premium paid by husband by online transfer from his own bank account , can husband get deduction u/s 80D in his ITR.

[@accountx]

Yes, I think you can claim.

[@sohit7706]

Hi mam, what is covered under medical expenses. Is prescription required. Can we claim common medicines like paracetamol and vitamin supplements as medical expenses for parents above 60 years? If I include medicine bill, how will they know that the medicine i am buying is for senior citizens and not other dependent when there is no mention of patients when buying medicine from a medical shop?

[@accountx]

Such nuances are not specified in the law and this is the risk that everyone carries. As long as you are able to convince the AO (if queried) the genuineness of transactions, there should not be any issue.

[@kishorekumar-kp8uf]

I have health insurance policy covered for my family and parents by employeer , i have taken top up and paid the premium out of pocket, is this top up is allowed in deductions under 80D, even though health insurance is provided by employer, there are medical expenses due to sublimit in policy eg cataract , these out of pocket expenses are allowed for deduction in 80D?

[@accountx]

Top-up premium paid by you can be availed as deduction u/s 80D but not out-of-pocket medical expenses.

[@aldrindias4434]

Hi maam, premium of health insurance policy is paid by my employer is part of my CTC, can i claim it in 80D? Secondly can you confirm if medical allowance of 15000 can be exempted of under section 10 if it is part of my salary breakup?

[@accountx]

No to both

[@foodi_eeengineer3050]

Maam can an NRI can claim deduction for medical expenditure incurred for senior resident mother ,?

[@accountx]

Yes, if she is not covered by health insurance.

[@pramodshelke5558]

Hello ma'am, im salaried person. Recently my father had hospitalized and expanse are 2.5lac.. can i claim tax benifit in my ITR filing?? I had paid the all bills and my father are at house only. No job.. please guide

[@accountx]

Yes, if no health insurance, then you may claim deduction up to ₹50k.

[@tamilvasan613]

Very useful information for the tax payer. Is any additional income tax exemption for expenditure on Covid Treatment?

[@accountx]

Thank you. Yes, money received (towards covid19 related expense) from the employer is fully exempt. If received from others (like friends), then exempt up to ₹10 lacs in a year.

[@2491261]

I am a super senior citizen Paying IT every year. Currently i am abroad and have to consult and undergo treatment on minor heath issues, I am not having local insurance coverage and have to pay for undergoing treatment. Can i claim 80 D deduction on the expenditure incurred abroad for my own treatment. If so kindly explain me the procedure to be followed to submit my claim during this Financial year.

[@accountx]

I think there is no specific restriction to avail deduction of medical expenses incurred abroad if you have no health insurance policy in India and if you satisfy other requirements. You can claim this deduction when you file your ITR for the next year.

[@karthikk257]

Hello madam. (For a senior citizen) Should it be tax payer credit/debitcard /UPI or it can be children's cards. ( no health insurance).can we claim the money used for facemasks, sanitizer 2) NSC 5 year tax saving fd, is there any exemption on 1-4 years interest as we received 5 years interest at once.( Maturity after 5 years). If exemption available how can we claim(where to enter this data)

[@accountx]

1) Usually, paid by the person claiming the deduction. No specific mention about facemasks, sanitizers etc. If it can be said that such medical expenditure (no health insurance) is incurred on the health of the person, then deduction can be claimed I think. 2) Interest on NSC is not actually exempt. Interest is added as income and the same can be claimed as deduction u/s 80C for all the years except for the last year. No exemption of interest in case of Tax-saving FDs.

[@harishbabu8630]

Hello ma'am.. Is it possible to claim monthly medicine bills under 80D who is under 60 & above 60.. Also if possible to claim if they have insurance ?? Thank you..

[@accountx]

No for those who are under 60. For 60 or above, deduction of medical expenses can be availed only at the time of filing ITR provided no insurance. If insured, then health insurance premium paid can be claimed as deduction at the time of filing ITR.

[@rameshp3458]

Hi mam, Recently I spend more than 1lack medical expenses for my son surgery but I can’t claim through my health insurance policy so can I how this for tax exemption under 80D????

[@accountx]

Sadly, no such provision exists u/s 80D. Deduction benefit of medical expense, when there is no health insurance policy, is available only in respect of senior citizens. One option I can think of is deduction u/s 80DD. This is only for some specific illness. Not sure if you can avail this deduction. Just google to know more about it.

[@thatikondasomalingam8831]

What if payment is made through upi. In this case we don't have receipt . How can we claim exemption?

[@accountx]

Very similar to NEFT transactions thru Net-banking. UPI transaction reference in the bank statement can be a supporting evidence.

[@pawankhare4282]

I am unemployed and my only income is from fixed deposit..can I claim the medical expenses without having any medical insurance...or should I buy medical insurance so that I could claim medical expenses in future...please reply

[@accountx]

Deduction of medical expense when there is no health insurance is only for senior citizens. Not compulsory to now have health insurance to claim expense in future.

[@pawankhare4282]

@@accountx thanks

[@cnsselva7]

Whether grand parents medical expenses can claimable?

[@accountx]

No, not covered

[@nareshbabu2109]

hi madam, in incometax portal can i submit medical expenditure without bills ?

[@accountx]

You can't submit pharmacy bills as such but you need to include these expenses in your ITR. Watch the video to know more.

[@mdnoorulla5618]

Which section IT ACT

[@accountx]

You mean this video about which section of income tax act? If yes, then section 80D which is mentioned in the title too.

[@yourssanthosh52]

Madam my wife age is 30 for IVF treatment we spent 3 lakhs in last 3 months.can we get excemption? Pls advise

[@accountx]

I think it's a no. Deduction of medical expenditure is only for senior citizens having no insurance.

[@yourssanthosh52]

@@accountx so bad.my income considered as income and take out amount for tax..when we paid expenses they not respecting

[@accountx]

@@yourssanthosh52 Actually this benefit (medical expenditure) should have been open for all. Some representation to the govt in deed is needed.

[@yourssanthosh52]

@@accountx worst govt..no respect on expenses .our IT policy is not Middleclass friendly

[@bharatnadhani4532]

Poor audio

[@accountx]

Thanks for your feedback. Right, microphone was not good, one of the initial videos.

[@imArun.R]

Mam my parent undergone surgery, it cost around 2.23 lakh, for them no health insurance i paid by cash but im eligible for reimbursement in my office. My employer told i will be taxable, can i get tax exemption.

[@accountx]

No deduction because it is paid in cash

[@imArun.R]

@@accountx mam after reimbursement of hospital experience of 2.23 lakh is taxable income, unable to calm tax exempt? My parent are senior citizen

[@accountx]

@@imArun.R Reimbursement from employer, of medical expenses is taxable. If the payment to the hospital is made by any mode other than cash (UPI, credit/debit card etc), then you can claim deduction u/s 80D up to ₹50k.