Preventive Health Check Up cost- What are tax benefits?

Do you know the cost of Preventive Health Check Up can be claimed for the tax benefit? Many of us know that Health Insurance premium can be claimed for tax deduction under Sec.80D. But the majority of us don’t know that Preventive Health Check Up cost can also be claimed under the same Sec.80D.

Preventive Health Check Up

Earlier, only the health insurance premium was allowed for deduction under Sec.80D. However, benefits for deduction on the expenses of Preventive Health Check Up was introduced from 1st April, 2013. Let us first understand or define what you mean by the Preventive Health Check Up.

Wikipedia explains the meaning of Preventive Health Check Up perfectly “Preventive healthcare (alternately preventive medicine or prophylaxis) consists of measures taken for disease prevention, as opposed to disease treatment“.

Further, it adds ” Health, disease, and disability are dynamic processes which begin before individuals realize they are affected. Disease prevention relies on anticipatory actions that can be categorized as primary, secondary, and tertiary prevention“.

So any test you go through which we can consider as measures for disease prevention than treatment to disease is nothing but Preventive Health Check Up.

Who can claim Preventive Health Check Up  deduction under Sec.80D?

An individual or HUF can claim the deduction in the case of expenses on such health check on family members as mentioned below.

  • Self
  • In case of HUF, it is the member of such HUF.
  • Spouse
  • Dependent Children
  • Parents (Dependent or non-dependent)

How much you can claim?

The maximum amount including all family members is allowed as Rs.5, 000. Remember that there is no separation. The cost of such Preventive Health Check Up is Rs.5, 000 inclusive of all family members.

Along with that, this deduction is the overall part of deduction one can claim under Sec.80D. 

How much is the limit specified in Sec.80D?

I explain it in below image.

Preventive Health Check Up Tax Benefits

Few points to remember

  • The maximum tax benefits set for Preventive Health Check Up cost is Rs.5,000 (inclusive of all family members).
  • Even cash receipts are accepted under Preventive Health Check Up cost.

From the financial year 2015-16, one more change was done for Sec.80D. It is known fact that buying health insurance for parents, whose age is more than 80 years, is very difficult and we may say impossible. Actually, the health expenses rise during this age of your parents. Earlier there was no tax benefit if you incurred medical expenses of your parents (other than health insurance premium). 

Now, medical expenditure incurred by an individual or HUF on the health of a very senior citizen has also been part of Sec.80D deduction. However, the senior citizen must not have any health insurance. 

Definition of Very Senior Citizen

An individual resident in India, who is of the age of 80 years or more at any time during the relevant previous year.

Hope I cleared the doubt for the most. Any doubts?

86 Comments

  1. Will My child’s immunization vaccine be covered?
    Also, can my parent’s blood tests for thyroid and cholesterol be considered?

    Reply
    • Dear Saveen,
      Your kid’s vaccine may be covered but not your parent’s expenses.

      Reply
  2. Can we consider the blood tests for thyroid and cholesterol as preventive health check-up?

    Reply
  3. Can I claim My daughter vaccination bills for exemption for section 80 D as preventive health check up. please reply as early as possible

    Reply
  4. My father had an Executive Heart Checkup and paid Rs.3130 as cash in a Private Hospital. This amount is paid mainly for various types of tests etc. (Registration Fee and Doctors consultation fee is not included in this amount). He had no previous heart problems. Can Executive Heart Checkup can be claimed as tax deduction under Sec. 80D? Please reply it.

    Reply
  5. Sir,
    My wife has faced some body problems. I would like a complete body checkup for her in a Private Hospital. Is this consider as Preventive Health Check Up? Can I claim under 80D?

    Reply
    • Dear Jacks,
      If the problem is already there then how it can be considered as PREVENTIVE check up?

      Reply
  6. Can I claim tax exemption on my child’s immunization expenditure as a part of preventive health check up column under section 80D? Pls reply asap…thanx

    Reply
  7. Sir, I pay medical insurance premium of Rs 3360.
    I have spent Rs. 3500 for Lab tests advised by the doctor as Preventive steps, Rs 3500 has been reimbursed by the medical insurance company.
    Can I claim a benefit of Rs. 3500/- under section 80D – Preventive Health Checkup?

    Reply
  8. Dear Basavaraj ji
    I dont have any insurance policy.But I have done some preventive healthcheckup for 3000rs.
    So can i claim 3000rs under 80D for deduction?
    Thanks

    Reply
  9. SUGAR(HIGH B.P) TREATMENT IS COSDIRED AS PREVENTIVE HEALTH CHECK UP OR NOT

    Reply
  10. Can we consider the Periodical blood tests for Diabetes as preventive health check-up?? I am a border line diabetic and take periodical blood tests to control the glucose level..

    Reply
  11. I used to do checkup for my mother who is suffering from heart value closer so can i submit the all the medical receipts and check up receipts

    Reply
    • Dear Aditya,
      Such check ups are not considered as PREVENTIVE health check ups.

      Reply
  12. I know lab tests are considered for this. But does doctor consultation fee also qualify u/s 80d ?

    Reply
  13. I have one question that some test were done during pregnancy as preventive measure to check the health condition of my wife. Can we claim these test under preventive health checkup ? I am excluding Scanning and Ultrasound test, I am only asking for blood test and urine test only. Pls reply asap. Thanks.

    Reply
    • Dear Sunny,
      They are not preventive health check-ups. Instead, they are to your wife’s pregnancy-related test. Hence, as per me they are not eligible.

      Reply
  14. Can we submit vaccination bills? Vaccination for typhoid, pneumonia,jaundice etc

    Reply
  15. please explain u/s 80 dps

    Reply
  16. can we use vaccination bill in preventive health check 80D?

    Reply
      • daughter vaccination bills like pneumonia, panta etc

        Reply
  17. while filing itr ,under preventive health checkup, is it necessary to produce the documents ?

    Reply
    • Dear Kush,
      You must have the receipt but you no need to submit to IT Dept.

      Reply
  18. If my medical insurance premium is Rs.25000/- & preventive health check-up expenses towards my parents (below 60 years ) is Rs. 5000/- , ( the total limit available to me including my parents u/s 80 D is Rs.50000/-)

    Can i claim Rs. 30000((25000+5000) as deduction u/s 80D ???

    Reply
  19. Is it mandatory to mention on the bills that this is for preventive health checkup and eligibile to claim under section 80D of income tax act 1961? I have to submit proof with my employer HR.

    Reply
    • Peeyush-Not required. But the test should be for a PREVENTIVE purpose.

      Reply
  20. I have spent Rs. 8500 in Annual Medical Health Checkup, out of which Rs. 6000/- has been reimbursed by my Employer.
    Can I claim a benefit of Rs. 2500/- under section 80D?

    Reply
  21. can one have preventive health checkup exemption under 80D without medical insurance policy?

    Reply
  22. Whether scanning done during pregnancy can be claimed under 80D

    Reply
  23. Hi Basavaraj,

    I got a colonoscopy done for myself and also a ct scan as prescribed by the doctor. Can i claim the the colonoscopy/ct scan bills under preventive health checkup ?

    Thanks in Advance.

    Reply
    • Anand-Is it done with keeping in mind of preventive health check up or due to issues in health and based on doctor advice?

      Reply
  24. Dear Sir, my mother was complaining for back pain from long time. So, I consulted with couple of doctors and got MRI & X-Ray reports for my mother on advice of those doctors, to know if surgery is required or not. Can this fall under preventive health check up? If yes, then what amount, only reports’ expenses or doctors’ consultancy too?

    Reply
  25. Thyroid and lipid profile test have been placed by me only without doctor prescriptions. Can they consider as preventive health check ups

    Reply
  26. I have undergone angioplasty few years back . Since then I regularly make checkups with doctor with blood test results
    for Lipid Profile, Kidney Profile, ECG etc. Are expenses towards these can be claimed under Sec.80 D?

    Reply
    • Ajan-These are not considered as preventive health check-up but routine health check-up.

      Reply
  27. My employer deduction 1K pm for medical facility for my family (Spouse, Child, parents, My father is 65+). I also got reimbursement from my employer as per CHSS/CGHS rate. In FY16-17, I have claimed reimbursement Rs. 53K and got reimbursement of 37.5K. I dont receive any medical allowance in my paybill. Will I get any tax benefit? Plz. quote reference if any.
    Thanking you with Regards,
    J N DUTTA

    Reply
      • Medical facility-sometimes, if available, We got medicine free of cost from employer. If not available, then need to purchase and go for reimbursement.

        Reply
  28. Dear Sir,
    I am paying Rs 990/pm for cordlife science india pvt. Will I get any tax benefit. (1)
    I dont have any medical insurance policy. Whether the tax benefit for preventive health check up for my baby (age2+) will I get, as I am spending approx 10K yearly for vaccine (8K), checkup and medicine (2). I am getting only consultant and medicine reimbursement from my office which is approx 2K.
    Thanks you
    Regards,
    J Dutta

    Reply
    • Dutta-I don’t think such vaccination covered under Preventive Health Check up Cost. Because it is not CHECK UP.

      Reply
      • Thank you sir

        Reply
    • Sir, wht about the premium towards cordlife?

      Reply
  29. in 80D can’t we put preventive health check-up alone means I don’t have any health insurance, just need to put preventive health check-up of 5K is that possible

    Reply
  30. How do I prove that a test is not prescribed by a doctor? If the reports state the test referred by as ‘Self’, will that suffice. I had done a master checkup and some related tests on my own as prevention in Sep 2015. The assessment for this year 2016-17 is also over and refund received. Can I revise and claim this deduction now? I may not have the bill but I have all the reports. Can I claim now and what will the procedure be? Kindly advise.

    Also this year I have done some tests on my own but they are not master health checkups. I presume they should also qualify. Please confirm.

    Thank you

    Reply
      • Thank you Sir. But if I have the bill, can I revise the AY 2016-17 for which assessment is actually over and refund received?

        Reply
  31. Yes its good and dual beneficial also keep track of your health status and save tax too.

    Reply
  32. Can I claim benefit of health insurance premium of my parent in laws.

    Reply
  33. Dear sir,
    I have a doubt regarding sales of my agrl land…i want to sell my agrl land for about 80 lakhs situated in a rural place …i am a resident of state of TN…What is the limit of tax i have to pay????

    Reply
    • Anesh-It depends on many issues. This we can’t say plainly. Also, try to ask your questions only related to particular post. If you have doubts other than this particular post, then raise such questions in our Forum.

      Reply
  34. Its an eye opener for all .not many know this.

    Thank you Basu

    Reply
  35. That means that the expenses for routine blood tests, urine tests, etc can be claimed in 80D along with mediclaim…right??

    Reply
    • B-Yes. But it must be preventive health check up. Please read the definition of that which I explained above.

      Reply
      • routine, Blood, urine, Stool etc tests can certainly be defined as “”preventive”..

        Reply
        • B-Yes, you may say so. But if such routine checks related to existing diseases, then you can’t claim that.

          Reply
  36. Is it mandatory to submit preventive health check up receipts or is self declaration is sufficient

    Reply
    • Madhuri-Cash payment also be allowed. But as a proof for future reference when IT Dept questions, it is always best practice to have receipt and test details for reference.

      Reply
  37. Thanks Basu

    Reply

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