Don’t Miss This! Claim ₹5 Lakh Medical Expenses for Parents and Save Tax Legally!

As salaried taxpayers rush to file investment proofs, most forget to claim deductions for parents’ medical bills — especially if they’re senior citizens.

Under Section 80DDB, you can claim up to ₹1 lakh, and with Section 80D, the total deduction can go up to ₹5 lakh+ in some cases!

—

1. Section 80DDB: For Critical Illness Treatment

Covers specified diseases like cancer, kidney failure, Parkinson’s, etc.

Deduction:

₹40,000 for others

₹1 lakh for senior citizens

You need a certification from a specialist doctor (Form 10I not required now)

—

2. Section 80D: Health Insurance Premium + Medical Expenses

Premium paid for senior citizen parents = ₹50,000

If they don’t have insurance, actual medical expenses up to ₹50,000 can be claimed

If you pay for yourself + parents, combined 80D benefit can reach ₹1 lakh

—

3. Total Tax Benefit = ₹1.5L (80D) + ₹1L (80DDB) = ₹2.5L

If both parents are senior citizens and one is critically ill, your eligible deduction may exceed ₹2.5 lakh — reducing your tax by ₹75,000 or more!

—

Pro Tip:
Keep hospital bills, prescriptions, and diagnosis reports handy — ITD may ask during scrutiny.