Section 80DDB Medical Deduction After Return
Claim Section 80DDB for prescribed diseases with Form 10-I — actual expense up to ₹40k/₹1L cap.
The 60-second version
Section 80DDB covers specified diseases (cancer, Parkinson's, etc.) — actual expense up to cap, with Form 10-I from specialist doctor.
Actual expense — not flat like 80DD
Section 80DDB allows deduction for medical treatment of self or dependent for prescribed diseases — lower of actual expense or cap.
Cap: ₹40,000 (below 60), ₹1,00,000 (senior 60+) for taxpayer or dependent patient.
Form 10-I certificate from neurologist, oncologist, urologist, etc. per Rule 11DD disease list.
80DDB caps by age
| Patient age | Max deduction | Form |
|---|---|---|
| Below 60 | ₹40,000 | Form 10-I |
| 60 and above | ₹1,00,000 | Form 10-I |
| Insurance reimbursement | Reduce claim by insurance | Hospital bills |
| Self vs dependent | Both eligible | Same caps |
| New tax regime | Not available | Old regime only |
80DDB claim sequence
Specialist diagnosis
Prescribed disease per Rule 11DD.
Form 10-I
Doctor certificate with registration number.
Hospital bills
Retain originals — actual expense basis.
Insurance adjust
Subtract reimbursement from claim.
ITR-2 Schedule VI-A
Enter 80DDB; old regime only.
Deduction logic
80DDB claim kit
- Form 10-I.
- Hospital bills.
- Payment proof.
- Insurance settlement letter.
- Doctor prescription.
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US treatment bills
Foreign hospital bills qualify if disease is prescribed — Form 10-I still from Indian specialist or re-assessment.
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0 of 4 checked
COVID treatment?
Not on classic Rule 11DD list — check current notifications.
Ayurveda treatment?
Allopathic prescribed list — AYUSH may not qualify.
Both 80D and 80DDB?
Yes — insurance premium vs treatment expense.
Dependent parent?
Yes — Form 10-I for parent's disease.
RNOR claim?
Needs ROR — 80DDB not for NRI.
Cash payment?
Allowed — retain hospital receipt.
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.