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Medical expense of parents

neha (Others) (430 Points)

18 June 2025

hi, so i left me job in jan 2025, the corporate insurance covers the followup of medical for 2 months but my parent was hospitalized again in feb and they rejected the claim saying its new hospitalization, so the expense i endured in that can i claim it as a deduction in my itr as they r not under any health insurance & I paid for it using my credit card?

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Rama chary Rachakonda (Master in Accounts & high court Advocate email ID:ramachary64@gmail.com voice no:9989324294) (8249 Points)
Replied 18 June 2025

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