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Do You Need Proof for 80D Medical Expense Claims?
Buying health insurance comes with numerous benefits, including financial support during medical emergencies as well as tax benefits. You heard it right. Tax deductions are available on health insurance premiums under Section 80D of the Income Tax Act, 1961. However, you may wonder that is proof required for 80D while filing income tax returns. Read on to find out.
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- Do You Need Proof for 80D Medical Expense Claims?
What is Section 80D?
Section 80D provides tax deductions on health insurance premiums to individuals and Hindu Undivided Families (HUF) for up to ₹25,000 under the Income Tax Act. However, senior citizens aged 60 years and above can claim tax deductions for up to an increased limit of ₹50,000 on medical insurance premiums.
Hence, if you buy a health insurance policy for yourself, your spouse, and your children, along with another policy for your parents, you can claim a tax deduction of up to ₹75,000. But if both you and your parents are senior citizens, you can claim tax deductions of up to ₹1,00,000 on health insurance premiums.
However, the medical insurance premium should be paid in any mode other than cash to be eligible for a Section 80D deduction.
Is Proof Required for 80D Claims?
No, there is no proof required to claim Section 80D deductions. Still, it is recommended to keep a proper record of all supporting documents, such as health insurance premium receipts, medical bills, etc., in case tax officials request them at any point in time.
Besides, if you are a salaried employee, your employer might also request you to submit a copy of your mediclaim policy and premium payment receipts to provide Form 16 for filing an income tax return. Moreover, if you file your income tax return independently without relying on Form 16, maintaining these documents can make the process smooth and hassle-free.
Tax Deduction Limits Under Section 80D
Check out the tax deduction limits permissible under Section 80D of the Income Tax Act, 1961 in the table below:
| Covered Individuals | Premium Paid | Tax Benefit u/s 80D | |
| For Self, Spouse & Children | For Parents | ||
| Individual and Parents (below 60 years) | ₹25,000 | ₹25,000 | ₹50,000 |
| Individual and Family (below 60 years) & Parents (above 60 years) | ₹25,000 | ₹50,000 | ₹75,000 |
| Individual, Family and Parents (above 60 years) | ₹50,000 | ₹50,000 | ₹1,00,000 |
| Members of HUF | ₹25,000 | ₹50,000 | ₹50,000 |
NOTE: The tax exemption limit for NRIs paying tax in India is the same as for individuals and senior citizens.
Can Medical Expenses Be Claimed Under 80D?
Yes. You can claim medical expenses under Section 80D incurred on preventive health check-ups for up to ₹5,000. This amount is included in the total tax deduction limit of ₹25,000 for non-senior citizens and ₹50,000 for senior citizens. Moreover, the cost of preventive health check-ups must be paid in any mode, including cash.
Senior citizens with no medical insurance policy can also claim medical expenses under 80D for up to ₹50,000. Although no proof or documents are required for an 80D deduction, these medical expenses should be paid in any mode except cash.
When Do You Need to Submit Proof for Tax Deductions?
Proof or documents are required for tax deductions under the following sections:
- Section 80DD: To claim a tax deduction for the treatment of a disabled dependent of up to ₹75,000 (or ₹1,25,000 for severe disability), you need to submit a medical certificate of disability issued by a government-approved medical board at the time of filing your income tax return.
- Section 80DDB: To claim a tax deduction for medical expenses incurred on specified diseases, such as AIDS, cancer or chronic renal failure, of up to ₹40,000 (or ₹1 lakh for senior citizens), you must provide proof of treatment while filing the income tax return.
FAQs
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Q1. Can I claim 80D without proof?
Ans: Yes, you can claim 80D without proof as per the Income Tax laws. However, it is always advisable to keep records of your health insurance premium receipts and other related documents for future reference. -
Q2. Is there any proof required for a preventive health check-up?
Ans: No, there is no proof required for preventive health check-up claims under Section 80D of the Income Tax Act. However, it is recommended to keep bill payment receipts for future reference. -
Q3. Can I claim 80D for parents without bills?
Ans: Yes. You can claim 80D for your parents without submitting any bills. However, make sure the insurance premiums and medical bills are not paid in cash. -
Q4. What documents are required for 80D?
Ans: No documents are required for 80D claims under the Income Tax Act. -
Q5. What proof is required for 80D preventive health check-up?
Ans: No proof is required for 80D preventive health check-ups as per the Income Tax Act. -
Q6. Can I claim 80D medical expenditure without proof?
Ans: Yes. You can claim 80D medical expenditure without proof if you are a senior citizen and do not have a health insurance policy. Moreover, medical bills should not be paid in cash to claim them under Section 80D. -
Q7. What is the maximum limit for 80D without proof?
Ans: The maximum 80D deduction limit without proof is ₹25,000 for non-senior citizens and ₹50,000 for senior citizens in a financial year. -
Q8. How much can we show in 80D?
Ans: Under Section 80D, you can claim a tax deduction of up to ₹25,000 per financial year for health insurance premiums paid for yourself, your spouse, and your children. If you are paying the premium for a senior citizen health insurance policy for your elderly parents aged 60 or above), the deduction limit increases to ₹50,000 per year. Additionally, you can claim medical expenses incurred on preventive health check-ups for up to ₹5,000 within the overall limit. -
Q9. Can I claim 80DD deduction without medical certificate?
Ans: No. You cannot claim an 80DD deduction for the treatment of a disabled dependent without a disability certificate issued by a government-approved medical board. -
Q10. Can I claim 80DDB deduction without proof?
Ans: No. To claim Section 80DDB of the Income Tax Act for medical expenses incurred on specified diseases, such as cancer, AIDS, or kidney failure, you must provide proof of treatment at the time of filing your income tax returns.
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