80D Medical bills in respect of dependent parents

Can medical/hospital bills of dependent parents treatment can be claimed u/s 80D if no medeclaim policy as been taken in the name of parents? If yes then what is the maximum amount that can be claimed u/s 80D.?

kindly guide me for the above.
thanks in advance
Replies (2)
Quick Summary
This discussion clarifies whether medical and hospital bills for dependent parents can be claimed under Section 80D of the Income Tax Act, even if no mediclaim policy is in place for them. It explains that while a deduction of up to Rs. 25,000 is available for parents under 60, this limit increases to Rs. 50,000 for parents aged 60 and above. If both the taxpayer and parents are senior citizens, the maximum combined deduction can reach Rs. 1 lakh.

Deduction for the premium paid for Medical Insurance

You (as an individual or HUF) can claim a deduction of Rs.25,000 under section 80D on insurance for self, spouse and dependent children. An additional deduction for insurance of parents is available up to Rs 25,000, if they are less than 60 years of age. If the parents are aged above 60, the deduction amount is Rs 50,000, which has been increased in Budget 2018 from Rs 30,000.
In case, both taxpayer and parent(s) are 60 years or above, the maximum deduction available under this section is up to Rs.1 lakh.
Example: Rohan’s age is 65 and his father’s age is 90. In this case, the maximum deduction Rohan can claim under section 80D is Rs. 100,000. From FY 2015-16 a cumulative additional deduction of Rs. 5,000 is allowed for preventive health check.
You can claim that in 80ddb, but you need to submit medical report from a doctor. exemption is limited to the extent of 100000 ( senior citizen)or amount paid which ever is lower.
thank u

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