So My Client is a PSU Employee/ age 59
He Made a family Group Health Insurance Policy -- in Name of His Son 32 Age with wife- Premium 30000/-
So Son's family (wife and kid) and Parents (psu employee self) all are included in Group policy and Premium paid by That PSU Employee Accounts can He claim in Section 80D ?
Son doesnt need claim - since he is not in tax bracket
| Originally posted by : RAJA P M | ||
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Yes... Your client (59 aged PSU employee - Father) can claim deduction u/s 80D. Note : Here son is not eligible for claim such deduction. |  |
proposer is son
and father paying for son's family including self
still not cleared what should i do
One small point that is often missed while discussing Section 80D is that the deduction is available only for eligible health insurance premiums paid through permitted modes (generally other than cash), and the limits depend on whether the premium is for self/family or parents, and whether any of them are senior citizens. Also, if you're opting for the new tax regime, Section 80D deduction is generally not available. :contentReference[oaicite:0]{index=0}
Before buying a policy only for tax saving, it's worth comparing the actual coverage, waiting periods, room rent limits, exclusions and claim settlement features. A higher deduction is useful, but the policy should also suit your family's medical needs. I found https://BimaScore.com/?INT0077 useful for comparing plans and understanding the differences in simple language before making a decision.
Tax benefit should be an added advantage—the primary objective should always be getting the right health cover.
@ Riya Jain
The Proposer is the one who can claim 80D Exemption on Premium paid by himself.
You are saying Son [not paying the premium] is the Proposer. So he cannot claim any 80D exemption.
Since Father is not the Proposer, he, also, cannot claim 80D Exemption.
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