80d deduction

Hi,   I need a clarification on the deduction of 80D under CH VIA deduction that, whether the deduction allowed to be claimed on accrual basis or on payment basis. Eg. If a medical insurance is taken on 1st of October 2015 for 1 year and the premium paid is Rs. 12000 valid till september 2016. So the dedcution under 80D for the FY 2015-16 & AY 2016-17, dedcuction allowable is RS 12000 or Rs. 6000 i.e from October 2015 to March 2016.   Also, if the medical insurance is provided by the employer, is there any deviation int he calculation of deduction under 80D.   Thanks in advance..

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