Section 80D Preventive Checkup
₹5,000 checkup inside premium cap — receipts and ITR Schedule VI-A.
The 60-second version
Section 80D allows ₹5,000 preventive health checkup within the overall ₹25k/₹50k premium cap — not on top. I keep GST invoices and insurer certificate for ITR-1/2.
₹5,000 preventive cap sits inside premium limit — not extra
Section 80D deduction covers health insurance premium plus preventive health checkup up to ₹5,000 combined within the ₹25,000 (self/family) or ₹50,000 (senior parents) ceiling.
Returning NRIs buying first India floater should time annual checkup in same FY as premium payment to maximise deduction.
Cash payment allowed but bank trail helps scrutiny — GST invoice with PAN of hospital/diagnostic centre required.
Insurance: portability guide.
Section 80D limits (FY 2025-26 illustrative)
| Beneficiary | Premium cap | Preventive inside cap |
|---|---|---|
| Self + family (<60) | ₹25,000 | ₹5,000 max |
| Senior self (60+) | ₹50,000 | ₹5,000 max |
| Senior parents | ₹50,000 | ₹5,000 max |
| HUF | ₹25,000 | ₹5,000 max |
| Preventive only (no policy) | ₹5,000 | Standalone if no premium |
80D preventive claim sequence
Buy / renew policy
Family floater with 80D eligible insurer.
Schedule checkup
Preventive package at network or any NABL lab.
Collect invoice
GST bill with your PAN if possible.
ITR filing
Enter 80D in Schedule VI-A — premium + preventive split.
Retain proofs
7 years — policy PDF + lab receipts.
Deduction stack
80D preventive kit
- Policy PDF.
- Premium receipt.
- Checkup GST invoice.
- Lab report.
- PAN on invoice.
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Employer mediclaim
Employer-paid premium is not your 80D — only personal premium and preventive you pay.
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Checkup without insurance?
₹5,000 preventive still deductible if you pay — no separate ₹25k needed.
Spouse separate policy?
Each taxpayer claims own 80D — cannot double on same premium.
Parents in US?
80D is for payments in India — foreign medical not covered.
RNOR year?
80D available once ROR — not in pure NRI years abroad.
Cash payment?
Allowed but bank/UPI trail safer under scrutiny.
Dental / vision?
Only if part of preventive package — cosmetic excluded.
Your tax year is already running.
RNOR status, exit timing, and DTAA benefits all depend on decisions you make before you land. Don't guess.