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Ramalingam Kalirajan3818 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Asked on - Mar 30, 2024Hindi

UNDER SECTION 80DDB deductible for senior citizens? Amount allowed as a deduction . How many years this benefit can be availed for different disease by senior Citizen ?
Ans: let me break down your queries about Section 80DDB in a simple and understandable manner:

• Section 80DDB provides deductions for medical expenses incurred by individuals, including senior citizens, for specified diseases.

• For senior citizens (those aged 60 years or above), the deduction allowed under Section 80DDB is up to INR 1 lakh.

• The diseases for which this deduction can be claimed include specified illnesses such as cancer, chronic renal failure, Parkinson's disease, etc.

• The deduction is available for the expenses incurred on the treatment of these diseases for self or dependent family members.

• To avail the deduction, a prescription from a specialist doctor is required, specifying the disease and the treatment.

• The deduction can be claimed for expenses incurred for the treatment of the specified diseases either for the individual or a dependent family member.

• The benefit under Section 80DDB can be availed for each financial year in which the expenses are incurred.

• There is no limit on the number of years this benefit can be availed, as long as the individual continues to incur medical expenses for the specified diseases.

In conclusion, Section 80DDB provides valuable tax benefits for senior citizens facing medical challenges, offering relief from the financial burden of treatment expenses. It's essential to keep records of medical bills and prescriptions to claim the deduction accurately.
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