Claiming medical expenditure for Senior Citizen who has health insurance

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.