5 Medical ITR Deductions: Are You Claiming All?
Under the old tax regime, Indian taxpayers can claim up to ₹1 lakh in deductions for health insurance premiums, medical expenses for senior parents, and treatment of serious disabilities. Most people miss several of these every year.
Most salaried Indians skip ₹25,000 in health deductions — that's 500 cups of chai left on the table.
Your medical bills can cut taxable income by up to this amount
Key Takeaways
Check your health insurance premium receipts and claim 80D for yourself, spouse, children, and parents — file separate amounts for senior parents.
Collect a prescription or certificate from a specialist doctor if claiming 80DDB — the IT department requires it as proof.
Compare whether old vs new tax regime saves you more money before filing your ITR this July — these deductions only apply under the old regime.
Under the old tax regime, Indian taxpayers can claim up to ₹1 lakh in deductions for health insurance premiums, medical expenses for senior parents, and treatment of serious disabilities. Most people miss several of these every year.
Here's what happened: Section 80D lets you claim up to ₹25,000 on health insurance premiums — and up to ₹50,000 if the insured is a senior citizen.. Section 80DD covers medical expenses and insurance for a dependent with a disability — deduction is ₹75,000 (severe disability: ₹1,25,000).. Section 80DDB allows deduction up to ₹40,000 (₹1,00,000 for senior citizens) for treatment of specified serious illnesses like cancer or kidney failure..
What you should do: Check your health insurance premium receipts and claim 80D for yourself, spouse, children, and parents — file separate amounts for senior parents.. Collect a prescription or certificate from a specialist doctor if claiming 80DDB — the IT department requires it as proof.. Compare whether old vs new tax regime saves you more money before filing your ITR this July — these deductions only apply under the old regime..
If your parents are uninsured seniors, you can still claim up to ₹50,000 under 80D for actual medical expenses paid — no insurance policy required.
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