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Jul 12, 2025
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ITR filing 2025-26: No health insurance? Here’s how senior citizens can still claim 80D tax benefits
A personal health insurance policy is critical at a time healthcare inflation in India is hovering around 14 percent. However, many senior citizens are unable to obtain one at affordable premiums due to advanced age and pre-existing diseases.
The hospitalisation, diagnostic and doctor consultation expenses that they incur, therefore, have to be paid for from their savings. Taking cognisance of such recurring, unavoidable expenses, the income tax rules offer some relaxation to taxpayers over the age of 60 years.
That is, such senior citizens can avail of the tax deduction under Section 80D of the Income-tax Act, which deals with health insurance premiums, even if they do not actually have a health insurance policy. Ensure that you claim these tax benefits at the time of filing income tax returns before the extended September 15 due date, provided you are choosing the old regime.
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