Another post from the Suggest a Topic page, and this one is actually written by my CA friend – Gurpreet Singh. We’re trying to collaborate and see if he can answer some of the taxation related questions here on OneMint, and write some articles on tax as well.
Details of Section 80D
Any amount paid by an Individual or HUF to an Insurance company as Medical Insurance Premium i.e. premium paid in respect of Mediclaim Policy can be claimed as deduction under section 80D.
Note: Life Insurance Premium is NOT covered under this category.
Important points:
- Premium paid should be in respect of Mediclaim Insurance policy.
- The deduction is also available when the Taxpayer makes any contribution towards Central Government Health Scheme.
- Deduction is available only to Individuals and HUF’s (Hindu Undivided Family). Corporates or Partnership firms cannot claim this deduction.
- Deduction is not allowed when the premium is paid by cash. In other words, the deduction will be allowed when the premium is paid by modes other than cash i.e. cheque or DD.
- Deduction is allowed in respect of following persons:
| Taxpayer | Insured Person |
| Individual | On the health of taxpayer himself/herself, spouse, parents, dependent children of taxpayer |
| Hindu Undivided Family (HUF) | On the health of any of the member of the family |
Amount exempted under Section 80D
Least of the following is allowed to be deducted from Gross Total Income of the Taxpayer for 80D:
a. Actual Mediclaim Insurance Premium paid
b. Rs. 15,000
In case the Mediclaim Insurance Premium paid is for a Senior Citizen (person above 65 years), least of the following is allowed as deduction :
a. Actual Mediclaim Insurance Premium paid
b. Rs. 20,000
Details on Section 80DD
This is a deduction in respect of maintenance including medical treatment of handicapped dependent that is a person with a disability.
It is available to individuals and HUFs (Hindu Undivided Families).
In the case of an individual the deduction is available to spouse, children, parents brothers or sisters of the individual.
In the case of HUF the deduction is available to any member of the HUF.
The second condition is that the disabled person should be wholly or mainly dependent on the person seeking the deduction for their support and maintenance.
The dependent should have a disability of at least 40%, and for claiming the deduction the assessee has to furnish a copy of certificate issued by the medical authority
There are two ways in which the expenses could have been incurred:
| Option 1 | Option 2 |
| The taxpayer has incurred an expenditure for the medical treatment, training, nursing and rehabilitation of the dependent | The taxpayer has paid/deposited under any scheme framed in this behalf by the LIC or any other insurer or the administrator or specified company and approved by the Board in this behalf, for the support/maintenance of the dependent |
Amount of deduction eligible under Section 80DD:
1. Fixed deduction of Rs 50,000/- is allowed irrespective of amounts incurred in Option 1/2
2. Deduction of Rs. 1,00,000/- is allowed in case where the dependent has the disability of more than 80%
If the dependent predeceases the Individual/HUF, an amount equal to the amount paid shall be deemed to be the income of the individual/HUF and will be chargeable to tax
Details on Section 80DDB
This deduction is in respect of medical treatment of a specified disease or ailment as prescribed by the Board.
80DDB deductions are also available to individuals or HUFs and are available for expenditure incurred in respect of assessee himself or his dependent spouse, children, parents, brothers/sisters.
In order to get 80DDB deduction the assessee has to submit a certificate in the prescribed form from a neurologist, oncologist, urologist, haemotologist, immunologist or such other specialist as prescribed working in a government hospital.
Amount of Deduction under 80DDB:
Actual amount paid or Rs 40,000/-, whichever is lower
In case the amount incurred is in respect of a person who is a Senior citizen then:
Actual amount paid or Rs 60,000/-, whichever is lower
These were some details on Section 80D, 80DD and 80DDB, and feel free to ask any questions and I’ll try to answer them here.
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Hi,
Would really appreciate it if you can describe this
http://timesofindia.indiatimes.com/business/india-business/SBI-to-offer-15-year-retail-bonds-at-995/articleshow/7498122.cms
Thanks,
the link you’ve send, describes a move which SBI is taking to raise funds by means of issuing long term bonds. Rate of interest which they are offerring, seems to be quite good. For e.g take the 10 year bond offerring 9.75% rate of interet. It means that if you invest Rs 100 today, you’ll be getting roughly Rs 253 at the end of 10 years. My concern as of now is, what is the lock-in period and what will be the tax implications of these bonds. I hope I’ve clarified some points, let me know, if you want some more details around it.
Manshu,
Thanks a lot for bringing up this topic; this is something I’ve been trying to get an answer for, for sometime.
I’ve a family health insurance from Star Health and the annual premium is around Rs. 2k for a 1 lac cover. Now, my accountant told me that if one shows medical bills that you’ve incurred for the year for either self or family, it can be claimed as medical reimbursement upto Rs. 15k — he said you can bring in medical shop bills, hospital bills etc.
From the above article, I am inferring that you can either claim a health policy or it should be medical reimbursement and cannot club both. If it is right, I think it is better for me to show medical reimbursement bills alone for this assessment year as that is close to Rs. 10k vs. Rs. 2k med insurance premium.
So, am I right to not show my med ins premium (technically, hide it) and show med reimbursement bills alone and claim more benefit?? Or can i club both? Pls HELP!
I’ll let Gurpreet answer that Krish.
Krish,
you can claim both of the following :
1. Mediclaim insurance paid (upto the limits defined above in section 80D)
2. Medical bills for, medicines, vaccination, any medical treatments done (upto Rs 15,000 annually)
These 2 cannot be clubbed. The second one, will be shown as a deduction from your Salary, whereas the first one, is shown as a deduction from your Total taxable income
Thanks Gurpreet for answering my query. Relieved to know that both can be claimed separately
While Gurpreet has answered this Krish – I’d strongly recommend hiring a CA when you’re doing your taxes because it’s such a complicated subject, and something that’s true in one situation might not be true in another, so it’s best to rely on professional advice that’s given to you after someone has spent time looking at your specific situation.
Hi,
I have a query continuation to Krish’s query:
As you said, I can claim both of the following :
1. Mediclaim insurance paid (upto the limits defined above in section 80D) i.e., 35,000 max
2. Medical bills for, medicines, vaccination, any medical treatments done (upto Rs 15,000 annually)
These 2 cannot be clubbed. The second one, will be shown as a deduction from your Salary, whereas the first one, is shown as a deduction from your Total taxable income
I am n’t sure but i heard that, apart of the above 2, i can avail the following
3. Any medical(hospital) expenses like (operations etc) held can be deducted from Total taxable income until certain amount (?) .
Please give more details on this 3 point
thanks in advance
Raghava
Hi Gurpreet,
Under medical bills, they can be for any dependent like spouse, children and parents or assessee or for only disabled dependent?
Under which section we must fill these medical bills in ITR IV? Receipts from Private hospital treatment and medicine purchase bills from medical shop can be included for deduction? What are the receipts or form like 10I to be submitted?
I’m paying house rent, shall I claim it for deduction? Do I need to sbmit form 10BA alone or should I furnish the receipts from owner?
Your help will be greatly appreciated.
Gurpreet another question via email:
In case of Section 80 D: If a family has elderly parent (single/ both), then does it mean that the total rebatable amount is 15K + 20K = 35K
yes Manshu, this is correct. Total rebatable amount will be Rs. 35,000 max
Hi,
I have some thing silly to ask, but couldn’t get a proper answer from any one.
Suppose, I have take up two mediclaim policies from two different companies of cover upto 1lacs.
Q1) If in future , if I happen to spend Rs.60,000 on my treatment. Then can I ask both the companies to pay me Rs.60,000 separately, meaning I get 1.2 lacs on medical expense of Rs.60,000 only.
Q2) If I spend 1.75 lacs on my treatment in future, then can I ask for 1lac claim from the first company and 75,000 from the second company or any possible combinations which adds upto 1.75 lacs.
You cannot make profits out of your insurance
Its just for your insurance and its meant to be that way.
And you need to submit original documents all the time to the insurer and its a great hassle process all the way. Now to your questions.
Q1) If you want to get the rebate for Rs. 60000, only from one insurer, you can get it from only one insurer right away. But if you insist on getting it from both of them, you have to give TPA (Third party Administrator related to insurer) and the ID card of insurer to the hospital of both the insurance companies and say that you have total 2Lakh coverage. Thus, your Rs.60000 will be split across between your insurers and you need to submit the original bills in any case.
Q2) The same will be applicable here as well.
Regards,
Manickkam.
EXPLANATION TO SECTION 80D
FAMILY & ANNUAL PREMIUMS
MR. A – RS. 7000/-
MRS. A – RS. 8000/-
CHILD (DEPENDENT) – RS. 4000/-
TOTAL – RS. 19000/-
MAX DEDUCTION = RS. 15000/-
NOW, LETS SAY
MR. A’S FATHER (67 YEARS) – RS. 30000/-
MR. A’S MOTHER – RS. 40000/-
OUT OF THIS MR. A PAYS
FOR FATHER – RS. 11000/-
FOR MOTHER – RS. 20000/-
TOTAL – RS. 31000/-
THEREFORE, MAX. DEDUCTION IN RESPECT OF PARENTS AVAILABLE TO MR. A = RS. 20000/- (EVEN IF ONE OF THE PARENTS IS SENIOR, RS. 20000/- LIMIT APPLICABLE)
TOTAL DEDUCTION AVAILABLE TO MR. A = RS. 35000/- (15000/- FOR OWN FAMILY + 20000/- FOR PARENTS)
________________
WE HAVE TO ANTICIPATE HERE THAT BALANCE PREMIUM IS PAID BY MR. A’S FATHER;
MOTHER + FATHER = SEPARATE FAMILY
THEREFORE, PREMIUM PAID BY MR. A’S FATHER
SELF – RS. 19000/- (30000 – 11000)
WIFE – RS. 20000/- (40000 – 20000)
TOTAL – RS. 39000/-
THEREFORE DEDUCTION AVAILABLE TO MR. A’S FATHER SEPARATELY = RS. 20000/-
NOTE: IN THE SAME ILLUSTRATION ABOVE, IF MR. A’S PARENTS ARE NON-RESIDENT (SAY LIVE IN AMERICA), EVEN IF THEY ARE SENIOR CITIZENS – MAX. DEDUCTION AVAILABLE IS RS. 15000/-.
THEREFORE TOTAL BENEFIT IN SUCH A CASE WOULD BE LIMITED TO RS. 30000/- ONLY.
Thanks Rahul – I take it you are a CA as well, or studying to be one?
Oh Thanks for the complement, but its nothing like that.
Its very important to disclose the investment if you are a salaried employee and follow it to have a proper cashflow all through the year.
If you are a businessman, it would still help to plan for yourself.
Please see this for further details for available options,
http://manickkam.blogspot.com/2011/04/disclose-investments-for-this-fy.html
Regards,
Manickkam.
Hi,
Could anyone clarify the section 80 D deduction,
Please find my assumption below and clear my confusion with actual details, please,
(1)
I can avail upto
for myself: 15,000
for spouse: 15,000
for Daughter: 15,000
for my Dad (senior Citizen): 20,000
for my Mummy (senior Citizen): 20,000
TOTAL: 85,000
(2)
I can avail upto
for myself + Spouse + Daughter: 15,000
for my Dad (senior Citizen) + Mummy (senior Citizen): 20,000
TOTAL: 35,000
thanks in advance
Hi Raghav
Hi Raghava, ur 2nd assumption is correct.
Thanks & Regards,
Gurpreet
Hi,
I wanted to know if there are any documents required to be sent along with the ITR-V, if we are claiming 80DD deductions? if yes, what are those…?
Because Rule 12 clearly states that return of income shall not be accompanied by any document or copy, but 80DD states to furnish a copy of the certificate issued by the medical authority.
Hi Anjali,
Plz go to the link (http://incometaxindia.gov.in/allforms.asp) and search for section 80DD. U’ll get the certificate there. If not, plz let me know.
Thanks & Regards,
gurpreet
Hi,
Suppose A has one mediclaim/health insurance policy for which he is paying around
Rs 15000/- PA. He is taking rebate under section 80D against this.
His mother (68 yrs) is suffering from some disease(eligible for 80DBB) and got hospitalised for 2 days and as per the policy he has claimed the amount of Rs. 25000/- .
Now the question is while filing ITR, does Mr A is aligible to take rebate under 80 D and also under 80DBB?
if lets say A’s total income is 6.5 lakhs and after deducting 1 lakhs 80c ,15000 for 80D
the taxable income would be Rs.535000.
How much rebate Mr. A can get under 80DBB?what will be the calculation ?
What all document required for 80DBB?
Thanks,
Vin
Hi Vin,
u’ve done the calculations correctly…for Sec 80DDB the max amount that can be claimed as deduction is 40000 or 60000 ( as explained above)…For documentation purposes :
In order to get 80DDB deduction the assessee has to submit a certificate in the prescribed form from a neurologist, oncologist, urologist, haemotologist, immunologist or such other specialist as prescribed working in a government hospital.
Plz go to the link (http://incometaxindia.gov.in/allforms.asp) and search for section 80DDB. U’ll get the certificate there. If not, plz let me know.
Hope, ur query is solved now…let me know if u need further info…
thanks & regards,
gurpreet
Hi Gurpreet,
Thanks for your reply…one more query I have on this…as you say for Sec 80DDB the max amount that can be claimed as deduction is 40000 or 60000 ..
so in my example (if lets say A’s total income is 6.5 lakhs and after deducting 1 lakhs 80c ,15000 for 80D the taxable income would be Rs.535000. )
Mr. A can claim up to 60000 under sec 80DBB…or 60000(sec 80DBB)-15000(80D)-25000(settled insurance comp.), which is equals to 20000.
Or can claim up to 60000 ….or any other calculation for this?
Thanks,
Vin
Vin,
Total Income 650000
less 80C 100000
less 80d for mediclaim insurance premium paid (max 15000) 15000
less 80ddb (60000 or actul exp, whichever is less)
i hope this answers ur query
regards,
gurpreet
Hi Gurpreet,
In addition to situation above.. i wanted to clarify one thing.. you said that under 80ddb, 60k or less exp can be availed but if i have taken an insurance for my parents then that amount must have been paid by the insurance company and not by me.still can i claim that amount in my deductions??
Hi,
I have a query continuation to Krish’s query:
As you said, I can claim both of the following :
1. Mediclaim insurance paid (upto the limits defined above in section 80D) i.e., 35,000 max
2. Medical bills for, medicines, vaccination, any medical treatments done (upto Rs 15,000 annually)
These 2 cannot be clubbed. The second one, will be shown as a deduction from your Salary, whereas the first one, is shown as a deduction from your Total taxable income
I am n’t sure but i heard that, apart of the above 2, i can avail the following
3. Any medical(hospital) expenses like (operations etc) held can be deducted from Total taxable income until certain amount (?) .
Please give more details on this 3 point
thanks in advance
Raghava
Raghava,
For point 3 there is no deduction available…However Section 80DDB can be read as mentioned above, as it covers that medical expenses incurred on certain specified diseases can be claimed as deduction.
Thanks & Regards,
gurpreet
Wanted to know if one can clain Sec 80 DDB & 80 DD together.
Hi Ranjith,
one can claim both the deductions simlutaneously
thanks & regards,
gurpreet
please sent me form for medical certificate which can be used for income tax relaxation under sec. 80DD
thanking you
Hi Nooruthu,
You can find the relevant form in the following link:
http://incometaxindia.gov.in/allforms.asp
Thanks & Regards,
Gurpreet
Hi Gurpreet,
I am Veera working for one of the software IT firms. I have a doubt regarding the tax claiming process and i asked many people to clear my doubt but no one has explained me clearly. The below is my question.
My family consists of my Father, my mother, my self and myAunt (my father’s younger sister she is physically dissabled).
1. Does my Aunt comes as my dependent or not ?
2. As part of my employment my family will be having health insurance and hospitalization coverage. Can i also include my Aunt into the health coverage scheme ? does hospitalization also gets covered for her ?
3. How to know all these details related to these health coverages and schemes and Tax claimings related to these issues ?
Please help me to find a way.
Thanks
Veera
Hi Veera,
Following r my answers :
1. Unfortunately your Aunt won’t be regarded as dependant upon you. (see the dependant details as mentioned above in the article)
2. For including your Aunt in the hospitalisation coverage you’ll need to confirm this with ur HR, as this facility you’re awailing from your Co.
3. You can visit the Income tax website or you can ask me, if you need any help, as I’m a CA. I’ll try to resolve as many queries as you ask, or at least I’ll let you know the source from where to get the relevant info.
Thanks & Regards,
Gurpreet
Hi Gurpreet,
I have a similar situation what Veera describes. The one major/minor difference is that my aunt (Dad’s younger sister) is mentally handicap.
One doubt which I have is that can I claim the deduction under 80DD in HUF (Hindu undivided family).
I know individually I will not be able to claim the benefit.
Thanks
rahulxarora@hotmail.com
Hi Rahul,
If your Aunt is a part of HUF then you can claim the deduction, otherwise not.
Thanks & Regards,
Gurpreet
I have a mediclame policy. As per this policy Rs 2500 or 10% of clame amount, which ever is higher, will be co-pay. It has to be borne me. I am going to clame for Rs 4000/- out of which Rs 2500/- be co-pay and insurer will pay me just Rs 1500/-. My question is that can I get 80D benifit on this co-pay i.e. Rs 2500/-? If yes, how can I get this benifit? Insurer will not return the original bills back. What will be the proof ?
Hi Kiran,
As per Section 80D, the insurance premium for your Mediclaim policy can be claimed as deduction and not the amount of expenditure. So, whatever you paid to the ins co will be claimed as deduction. now whatever you claim with ins co, will not be considered for tax purposes.
Thanks & Regards,
Gurpreet
Hi Gurpreet,
Just a naive question.. u have clarified this in examples in ur post but just wanted to confirm..
Section 80 d tax benefits are over and above section 80c benefits of 1 lac?
i can claim tax benefit of 1 lac (80C) plus mediclaim insurance of 15k(80D) or which ever is the limit. in this case total deduction of 1.15 lacs?
Hi Shankar,
Your’re right….the total deduction will be Rs.1.15 lacs
Thanks & Regards,
Gurpreet
Thanks for confimring Gurpreet.
I have one more doubt.if you could please clarify that also.under 80ddb, 60k or less exp can be availed but if i have taken an insurance for my parents then that amount must have been paid by the insurance company and not by me.still can i claim that amount in my deductions??
Hi Shankar,
You won’t be getting deduction in that case (it will be giving double benefit to u…)
Thanks & Regards,
Gurpreet
I am a salaried person & my father is disabled & paralysed since 2-3 years. His one side is paralysed & one leg & one hand doen not work. So he is all dependent upon my family only. I am the only person in my family to earn money. I spend Rs 11000/0 PM for my family which include maintance & medicines also. I want to know how can I claim the deduction under 80DD. I’ll have to furnish Form 10IA. But apart from the Form 10IA do I need to furnish any bills cause we do not have any bills to produce. I just transfer money to my fathers account every month for my families maintanance & medicines(Ayurvedic, for which we dont get any bills). Pls let me know if I can get the deductions without any Bills?
Hi Anish,
This is what a circular from IT says;
“It would be sufficient if the employee furnishes a medical certificate from a Government hospital and a declaration in writing duly signed by the claimant certifying the actual amount of expenditure on account of medical treatment (including nursing) training and rehabilitation of the handicapped dependant and receipt/acknowledgement for the amount paid or deposited in the specified schemes of LIC or UTI. Therefore, DDOs may not insist upon production of vouchers/bills by the employees for having incurred expenditure on medical treatment of their handicapped dependants for allowing the deduction under section 80DD for the purpose of computing tax deductible at source.”
I hope this answer your queries…
Hi,
I want to know in which I should invest to get benifit under sections:
1. 80DD
2. 80CCF
3. 80D
4.80U
5.80DDB
6. 80E
Please suggest.
Hi JR,
From investment point of view: 80CCF is the only section which relates to investment purposes..
Thanks & regards,
Gurpreet
Hi,
Do we have to submit medical bills for claiming a rebate under sec 80DDB?
Yes, I believe we do.
Hi,
My mother has multi organ disfunctioning due to accidental consumption of poison, and she was expired in Sep, 2011 in hospital. Will I be eligible for tax excemption under 80DD?
If yes, what all documents do I need to produce to IT department.
Please let me know if you need more details.
I’m sorry to hear about that but I’m afraid I don’t know enough about this to tell you what to do.
Hi Venkat,
Sorry to hear about ur Mom..
If u go through the points which I’ve mentioned under section 80DD (pls see the last point), if the dependant dies before the individual then whatever deduction u claimed earlier, will become ur income and u’ll no longer be able to avail that deduction rather ur income will be increased with that amount that was claimed as deduction..
Thanks & Regards,
Gurpreet
Hi Gurpreet,
I am having a little query….
I am paying medical insurance for my father, mother and my sister. But the insured name is my father name and I want to show this medical insurance under 80D under my deduction. The payment of this medical insurance is paid by me only through check. My parents are below under 60 age and my father is self employed. Pls let me know.
Hi Deepak,
If you are the proposer in the policy and paying the premium, you can very well claim the tax benefit.
However the problem will come if its a family floater covering all three.Since It is difficult to bifurcate the premium in a floater and you cannot claim on your sister policy, it then relies on the IT officer to assess the case.
I have littele query..
I have Medical treatment expenceses about 150000/- it will in relief in sec 80DDB
how much amount will be deducted for income tax relief and medical bill will submit them..
Hi Jayesh,
The amount that will be allowed as deduction will be Rs40,000/-, however if the amount is spent for a senior citizen the deduction will be Rs60,000/-.
Thanks & Regards,
Gurpreet
HOW MANY DEPENDET FAMILY MEMBERS BENIFIT UNDER
D HANDICAPED. MY DOUGHTER AND MOTHER IS DEPENDET ON ME,SHE IS HANDICAPRED ABOVE 40%.
Hi Jatinder,
I believe you’re asking about Sec 80DD. in that, you can claim the deduction for more than 1 person, provided they are dependent upon you and are related to you, as per the provisions given above.
Thanks & Regards,
Gurpreet
Hi Gurpreet,
Thanks for the reply in terms of number of disabled dependents cover under section 80DD.
I am working with a software firm and I have two disabled dependents, wife(housewife) and brother(student). Both are having 40% disability certificate issued by competent medical authority & both depends on me. Payroll vendor of my company told me that they consider only one dependent under section 80DD. I have been claiming this benefit since last couple of years and did not face any issue as such.
Is there any authenticated reference you could give me about number of dependents under section 80DD? Really appreciate your help if you could provide me any IncomeTax/other relevent link/pointer.
Thanks,
Prashant
Hi all,
I recently spent about 20 thousands on my father’s(dependant) medical treatment.
Treatment was related to spinal (orthopedic) so can i get tax benefit under 80ddb?
I also spent about 5 thousands on my son’s normal medical expences. Can it also be included under 80ddb?
Can medicine bills be used for tax deduction under 80ddb or other related section?
Thanks
Riken
Hi,
I have a family flouter ploicy and a super top policy for myself, spouse and kid and the premiums are 9000 and 5000 repectively.
I have a seperate flouter policy for my parents who are below 65 years and the premium on this policy is 19000.
Can I claim for 9000 + 5000 + 15000 = 29000?
or would it be only 9000 + 15000 = 24000?
Primarily the question is.,
can I club the premium for the super top policy and family flouter policy apart from the premium paid for parent’s flouter policy when claiming exemption under 80D?
Thanks and Regards
RK,
Yes you can claim Super Top Up policy premium for 80D deduction.
My family consists of my mother, myself , my elder brother (who is Cerebal Palasy, 70 % permanent disable) and he is fully dependent on me.
My Mother is also getting family pension of Rs. 3500/-P.M.
Can I can Claim tax deduction under 80dd for the amount spent for his rehabilitation .
Thanks and Regards
Anuj,
Yes you can claim tax deduction under 80DD for your brother treatment upto the specified limit.
My Mother is in coma for the last eight months. She is also diagnosed with cancer. I had spend around 16 laks(Inclusive of 3 lakh insurance cover) for her treatment and Nursing care.
Should i claim exemption under sec 80DD or Sec 80DDB? or both??
Is there any specific form that i should submit.
Pls advice.
the details uploaded provides the direct anw. for the ans. i am loking thanx a lot.
Great, you’re welcome.
HI,
I have medical insurance for my parents (both sr. citizens). my mother has an ailment for which she needs to take medicines, can i claim the amount and get deduction under 80ddb orr does it go into my 15000 medical reimbursement.
Very good site and clear answers. Thanks.
I have one calculation, please suggest if I am missing something:
a. I am taking 80D deduction for medical insurance of my parents (senior citizen, no income) of 28K
b. medical reimbursement of 15K (including my spouse, child,parents)
c. I want to take 60k 80DDB deduction as my mother has cancer. Now, hospital bills were around 3.5 lacs-4 lacs, but 75% of it is paid by my company insurance. How much deduction I can claim under 80DDB?
thanks
Hi,
My Grandmother has Vulval Lesion (a type of Cancer). She is 78 years old. I am bearing all her expenses. Spent around 40K on Chemotherapy so far and further treatment can go up to 1-2 Lakhs. Can I claim tax benefit under section 80DDB for tretmenet of my grandmother. Do let me know.
Thanks
Bhushan
Bhushan,
Grandparents are not included in family under this section hence you cannot claim on their expenses.
Hi ,
My mother was diagnosed with breast cancer three years before and thereafter got treated for the same. Now she is doing well.Every month I spend heavily on medicines that were advised by the doctor. Thereofore can i claim it under section 80DDB or this section allows expenses incurred during hospitalization only
Thanks
Piyush
Can anyone assist on the following issue:
I am a kidney patient and my father is also kidney patient. I have incurred Medical expenses for both. What will be the maximum amt of deduction? My father is a senior citizen. can i claim 100000 or 60000 as maximum deduction???
Hi, everyone
1.I earn from Online Tutoring, under which column should I fill my income in the ITR IV? And I have Rs 594 as SB Account Interest. I’m not able to decide where to enter these in ITR IV. Please let me know in Excel Utility should I enter these in BS or PL page, under which number?
Under medical bills, they can be for any dependent like spouse, children and parents or assessee or for only disabled dependent?Under which section we must fill these medical bills in ITR IV? Receipts from Private hospital treatment and medicine purchase bills from medical shop should be submitted along with ITR V acknowledgement? What are the receipts or form like 10I to be submitted?
I’m paying house rent, shall I claim it for deduction? Do I need to submit form 10BA alone or should I furnish the receipts from owner?
Your help will be greatly appreciated.
Hello,
My father has cancer as well as a neurological disorder. I have spent approx. 2 lacs in medical treatment during last financial year. I am wondering if I can claim deductions in both 80DD and 80DDB sections simultaneously for him? Please clarify.
Thank you,
Jatin.
Hello Everyone
(AY 2012-13)
I would like to know against which cell the amount of Rs.15000 pa which is given by the employer to the employee as medical allowance can be mentioned in ITR-I so as to avail tax benefit. I have all the original bills with me totalling at amt Rs. 13500. yesterday i have filled the ITR mentioning the amount against sec 80DD. Please suggest am i correct or if not then do i need to fill the revised ITR ? in revised where should i mention the medical expenses of above amt?
Request your valuable advice and suggestions please
Thanks
Surender
Hi
Can somebody please respond to my query posted.
Thanks
surender
Sir, My son has got 63% disability and he is MR. Do I need to give the bills spent for my sons health or do i have to take a LIC policy to get the income tax relief of Rs.50,000. PLEASE sir, kindly enlighten me in detail.
with regards
T.Daniel Rajasekar.
Hi!
Recently my mother has undergone a knee replacement surgery. Can I claim tax benifit under section 80DD? Pl. note that I don’t have mediclaim.
Thanks & regards.
The plan which covers Vision Benefits, Dental Coverage, Preventive Health Care, Emergency Care And Durable Medical Equipments Benefits is the best plan according to my opinion as these are the main things which everyone needs whether or not he keeps his health fit as one never knows when will he fall on all the things which i mentioned !
Under section 80 DDB, can two siblings claim deduction of 40,000 each, for treatment expenses of dependant father (total expenses for treatment is more than 80,000)
Hello CAs,
My father is kidney patient and I have spent around 2lakhs in his treatment this year.I have a mediclaim which given back 75% of the amount and 25% is the co payment deducted by insurance company.I read in a incometaxindia.gov.in site that the partial amount which was not reimbursed can also be claimed under section 80DDB. I have given all origincal bills and reports to insurance company and maintained a copy of all.
1)I have certificate as prescribed by incometax authority.
2)Claim settelement letter from insurance company which states the amount setteled and amount deducted as co payment.
3)I have copies of all hospital bills, medical test bills and medicine bills.
what all documents are required to submit in order to get the tax exemption.
Thanks in advance for your valuable answer.
Can someone please reply to my query?
I need to know which documents are required to be submitted to claim partial amount under section 80DDB.
–Shafiullah
Hi,
For may dad (age 60), in 2012 nov , total medical expenditure under 80 DDB , by form 10 I was 2,95000 , but they concidered only 50,000.00 for tax exemption , is that any change in maximum exeption this year, and how much applicable for sr. citizen? , pls guide
Vinoth
The limit is 60,000 for senior citizens and that hasn’t changed recently, you should ask your CA what happened that only 50,000 was considered.
As per Income tax guide line, age 65 years considered as Senior citizen, hence your dad was not considered as Senior citizen and normal slab (50K) applied to him. My dad was not considered as Sr Citizen till 64 years.
http://law.incometaxindia.gov.in/dittaxmann/incometaxacts/2005itact/section80ddb.htm
Pls suggest that Knee replacement surgery expenses of dependant parent is consider under this section or any other section?
Hello friends,
Please guide me. Can I avail the benefit u/s 80DDB for the expenses incurred for Knee replacement surgery of parents.
Hi
Any idea of what should be the declaration format be for claiming tax benefit under section 80DD. My dad is suffering from severe disability and I have the medical certificate from competent authority for the same.
Form No. 10-IA
You will get this form on income tax web site
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