Claiming medical expenditure for Senior Citizen who has health insurance

Dear Sir, 

Can I claim the medical expenses under 80D of my mother who is a senior citizen and needs some medications for her blood pressure and thyroid, when I have medical insurance for her? The medical insurance is beneficial only in the case when she is hospitalized for 24 hours or more. 

Replies (3)
Quick Summary
This discussion clarifies whether medical expenses for a senior citizen can be claimed under Section 80D, even if they have health insurance. The key point is that if the health insurance policy only covers hospitalisation for 24 hours or more, and there are other medical expenses not covered, these can be claimed. Specifically, if the senior citizen is 60 or above and doesn't have a health insurance policy, the taxpayer can claim actual medical expenses up to ₹50,000, provided they have incurred and paid for these expenses themselves.

Yes, If the expenditure is not covered in Health Insurance You can Claim medical expenditure upto 50k
Yes it is applicable .
Condition Status
Mother is senior citizen (≥60 years) ✅ Required
No health insurance policy exists ✅ Mandatory
Medical expenses actually incurred ✅ Required
Expenses paid by you or her ✅ Allowed

If your mother is a senior citizen (60 years or more) and does not have any health insurance policy, you can claim actual medical expenses incurred for her up to ₹50,000 under Section 80D, even if you pay the expenses yourself.

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