Medical expense of parents

Claiming Medical Expenses as Deductions You can claim medical expenses as deductions under Section 80D of the Income-tax Act, 1961, if you have paid for the medical expenses out of your pocket and they are not covered by any health insurance.

Eligibility Criteria To claim deductions, ensure the following: -

*Medical Expenses*: The expenses should be for medical treatment, hospitalization, or other related costs. - *Payment*: You should have paid the expenses out of your pocket. - *No Insurance Claim*: The expenses should not be claimed under any health insurance policy. Documents Required To claim deductions, keep the following documents: - *Medical Bills*: Receipts and bills for medical expenses. - *Hospitalization Documents*: Discharge summary, medical records, and other relevant documents. - *Payment Proof*: Proof of payment, such as credit card statements or bank statements. Claiming Deductions in ITR You can claim deductions for medical expenses under Section 80DDB if the expenses are for specified diseases or under Section 80D for general medical expenses for self, spouse, children, or parents. - *Section 80DDB*: Claim deductions for medical expenses for specified diseases, subject to certain limits. - *Section 80D*: Claim deductions for medical insurance premiums or medical expenses for self, spouse, children, or parents, subject to certain limits. Conclusion To claim medical expenses as deductions: - 

*Gather Documents*: Collect medical bills, hospitalization documents, and payment proof. - 

*Check Eligibility*: Verify the eligibility criteria for claiming deductions under Section 80D or 80DDB. -

*Claim Deductions*: Claim deductions in your ITR, ensuring you follow the relevant section and limits 

Was hospitalized for breathing issues due water in lungs , cardiac issues , insurance claim was rejected as it was post leaving job & fresh hospitalization is not covered , so should I claim it under 80D or 80DDB?

I remember landing on a similar discussion when I was trying to understand how medical expenses for parents really work under tax laws. On paper, deductions and reimbursements sound straightforward. But in reality, the confusion usually starts when an actual hospital bill arrives and you’re unsure what’s covered, what qualifies, and what ends up coming out of your own pocket.

For many of us, the bigger issue isn’t just claiming medical expenses for parents — it’s realizing too late that the health policy we relied on isn’t as strong as we assumed. Sub-limits, room rent caps, co-pay clauses, or insurer-specific claim behavior only surface during a claim. That’s when stress compounds, especially when parents are involved and decisions need to be quick.

I went through a phase where I thought my parents’ policy was “decent enough” because the sum insured looked high. But when I dug deeper, I discovered gaps I hadn’t noticed earlier. That’s when I came across Bima Analyze, which doesn’t ask for policy documents but instead looks at practical inputs like location, family structure, insurer, and sum insured. Behind the scenes, it evaluates 100+ real-world factors — things that actually affect claims, not just brochure features.

The outcome is a BimaScore, a simple 400–1000 rating that tells you how strong the coverage really is. It helped me understand whether the policy could realistically support medical expenses for parents, especially in today’s cost environment.

We often discuss deductions and sections after expenses happen. But clarity before a medical event makes a bigger difference — financially and mentally. If you’re unsure whether your parents’ policy can truly handle future expenses, it may be worth checking.

You can Analyze Your Policy Now here:
https://bimascore.com?ref=forum