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Preventive Health Check-ups & Tax Deductions

The primary objective of preventive health check-ups aims to identify potential health issues before they become severe or reach an advanced stage and become costly to treat.

  • 18 Apr 2023
  • min read

The primary objective of preventive health check-ups aims to identify potential health issues before they become severe or reach an advanced stage and become costly to treat. Ailments detected or diagnosed early increase the chances of timely as well as successful treatment and cure. Different types of preventive health check-ups include full-body health check-ups, tests related to the heart, diagnostic tests to check the blood sugar levels for diabetes, and health check-ups for children and women.

Section 80D of the Income Tax Act offers tax deductions on medical insurance premiums and healthcare expenses for individual taxpayers and Hindu Undivided Families (HUFs).

What is a Preventive Health Check-up?

Preventive health care aims to detect problems early on when they're simpler and less pricey to cure. It allows doctors to identify potential health issues before they become severe and require costly treatments. The preventive health check-up tax exemption typically includes reviewing medical history, family history, risk factors for specific diseases, physical examination, and laboratory tests.

The Indian government introduced a preventive health check-up 80D tax deduction to urge citizens to be more upbeat about healthcare. Under Section 80D, you can claim a deduction of Rs 5,000 for any payments made for preventive health check-ups. An individual can make a claim for himself/herself, his/her spouse, dependent children and parents.

The number of times one should undergo a preventive health check-up varies from person to person and age. Experts recommend that all adults undergo a preventive health check-up once a year. However, individuals who are at a higher risk of certain illnesses or have existing medical conditions may need to undergo screening more frequently. Senior citizens may also require more preventive health check-ups. These check-ups can help your doctor monitor your health and advise you on reducing your risk of chronic diseases.

Benefits and Importance of Preventive Health Check-ups

Here are some benefits and importance of timely health check-ups:

  • Regular check-ups help detect potential health problems before they become severe, increasing the chances of successful treatment and cure.
  • Depending on one's age, family history, and lifestyle, doctors recommend the frequency of check-ups and medical assistance.
  • By regularly seeing a doctor, one can monitor any changes in the body and detect health conditions early.
  • Accessing the correct health services, screenings, and treatment ensures a healthier and longer life.
  • Preventive check-up comes with various benefits, including a
  • comprehensive health evaluation
  • early detection of illnesses
  • periodic monitoring
  • lower medical expenses
  • improvement in overall health
  • There are different types of preventive health check-ups available, such as
  • full-body health check-ups
  • heart check-ups
  • diabetes check-ups
  • health check-ups for kids
  • health check-ups for women
  • Section 80D deduction preventive health check-ups for women include tests to evaluate general health and gynaecological problems, such as
  • pelvic exams
  • pap smear tests
  • cervix and breast cancer screening
  • One can avail of tax benefits of up to Rs 5,000 per financial year towards preventive health check-ups as per Indian law.

Regular health check-ups help people lead healthier lives by detecting ailments early and taking necessary precautions to prevent the risk of developing chronic diseases.

Also read:

80D Tax Deductions with Preventive Health Check-up

Section 80D of the Income Tax Act offers tax deductions on medical insurance premiums and healthcare expenses for individual taxpayers and Hindu Undivided Families (HUFs). An individual can claim up to Rs 25,000 for his/her check-up, spouse's and dependent children's medical insurance premium, an additional deduction of Rs 25,000 for parents' insurance premium if they are below 60 years of age, and Rs 50,000 if the parents are above 60 years.

The preventive health check-up deduction can be claimed for medical expenses up to a maximum of Rs 5,000 if insurance does not cover them. If the individual/spouse and parents are above 60 years old and have medical insurance, they can claim a maximum deduction of Rs 1,00,000.

HUFs can claim a deduction of Rs 25,000 if the insured members are below 60 years and Rs 50,000 if any of the members are 60 years or above.

The cost of an 80D health check-up annually can be claimed for up to Rs 5,000 for individuals and Rs 50,000 for senior citizens.

The budget of 2018 introduced a new provision for claiming deductions on a single premium paid as a lump sum for health insurance policies, where a taxpayer can claim a deduction equivalent to the applicable fraction of the amount under Section 80D. The fraction gets calculated by the lump sum paid as a premium divided by the number of years the policy will be valid.

Documents Required for 80D Preventive Health Check-up Deduction

Although the Income Tax Department does not require proof to claim the 80D preventive health check-up income tax deduction, experts recommend maintaining a record of all expenses incurred. The primary causes for this are the following:

  • Your employer may request documentation of all deductions when issuing Form 16 for filing tax returns.
  • Keeping a record of bills can simplify the process of claiming preventive health check-up tax benefit.

FAQs on Preventive Health Check-Ups And Tax Deductions

What is the Maximum Amount that You Can Claim for Preventive Health Check?

Section 80D of the ITA permits individuals to claim a deduction on health insurance premiums paid for themselves, their spouse, and dependent children, with additional deductions available if the policy covers their parents' health insurance. The maximum deduction you can claim is Rs 50,000 for insured individuals aged 60 years or over. The maximum deduction under Section 80D ranges from Rs 50,000 to Rs 1 lakh depending on the individual's age and insurance coverage. The amount of income tax savings depends on the individual's income tax slab, with tax savings ranging from Rs 1,300 to Rs 7,800, including cess for taxable incomes ranging between Rs 2.5 lakh and Rs 10 lakh.

Can I claim a preventive health check-up in ITR?

Under Section 80D of the Income Tax Act, individuals can claim a deduction on health insurance premiums as well as expenditures incurred on preventive health check-ups for themselves, their spouse, dependent children, and parents, subject to the terms and conditions specified. The government introduced this benefit to encourage regular health check-ups to detect illnesses or health conditions in a timely manner. The deduction limit for preventive health check-ups is up to Rs 5,000 per financial year, included within the overall Section 80D limit of Rs 25,000 for individuals and Rs 50,000 for senior citizens. However, cash payments for premiums and expenses paid by someone other than the taxpayer are not eligible for deduction under Section 80D. To claim this benefit, individuals must file their Income Tax Return (ITR) and disclose the 80D deduction under "Deduction under chapter VI-A."

What tests get covered under preventive health check-ups?

The medical tests conducted under preventive health check-ups include cancer/tumour markers, cardiac indicators, abdominal ultrasound, breast mammography (for women above 30 years), PSA (for men above 45 years), chest X-ray, ECG, 2D echocardiogram, coronary angiography, fasting and random blood sugar, and lipid profile.

Different age groups require different tests, such as blood urea, serum creatinine, BUN, HDL, LDL, triglyceride, liver enzymes, serum bilirubin, TSH, T3 level, and T4 level.

Various types of preventive medical check-ups are available, including full body check-ups, women's and child health check-ups, and diabetes check-ups. Health insurance plans covering these check-ups can be purchased, and filing an ITR is necessary to avail of tax benefits on the costs of preventive health check-ups. However, you cannot claim a tax benefit for premiums paid in cash or by someone else cannot be claimed as deductions under Section 80D of the Income Tax Act.

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