About Section 80D - Medical Insurance Premium

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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 

Replies (4)
Yes... Your client (59 aged PSU employee - Father) can claim deduction u/s 80D.

Note : Here son is not eligible for claim such deduction.
Originally posted by : RAJA P M
Yes... Your client (59 aged PSU employee - Father) can claim deduction u/s 80D. Note : Here son is not eligible for claim such deduction.

I checked and Found - आयकर अधिनियम में धारा 80D के तहत छूट, प्रस्तावक इस छूट के लिए पात्र होगा। Proposer is - Son Although i searched a lot what i find is son shouldnt be above age of 25 (this case son is 32 with wife) and no where clarity on group Family policy thats why

proposer is son 

and father paying for son's family including self  

still not cleared what should i do

Your query is not cleared or confused...

As per Your last question...

As per my understanding,
proposer is son & father paid the amount for son's insurance... right...?!
If Yes... Then Son will claim the deduction under sec 80D...

and father paying for son's family including self ...?

As per my understanding,
Father paid son's insurance amount and Father also paid his own insurance amount... Right...?!

If yes...
Who is the propser of Father's Insurance...?

If father's insurance proposer is father then Father only can claim.
If father's insurance proposer is son then son can claim that deduction.


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