Section 80DDB Calculator
Work out your deduction for medical treatment of specified diseases — capped at ₹40,000 (below 60) or ₹1,00,000 (senior), less any reimbursement, live on one screen.
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- Rules cited on the page
Enter your figures — the result on the right updates as you type.
Deduction breakdown
Claim 80DDB correctly — get your ITR filed by a CA
We check your specialist prescription, net out reimbursement and file your return accurately.
Disclaimer: Indicative estimate. Section 80DDB requires a prescription from a specialist and is available only under the old regime. Actual eligibility depends on the disease qualifying under Rule 11DD and documentary proof.
Section 80DDB — deduction for specified diseases
Section 80DDB of the Income-tax Act lets a resident individual (or HUF) claim a deduction for money actually spent on the treatment of certain specified diseases — for themselves or a dependent. The deduction is capped and is reduced by any amount reimbursed by an insurer or employer. It is available only under the old tax regime.
Deduction limits & who qualifies
The cap depends on the age of the patient being treated — not the taxpayer. You can claim for treatment of yourself or a dependent (spouse, children, parents, brothers or sisters). Whichever is lower — the net expense or the cap — is your deduction.
| Patient below 60 years | ₹40,000 |
| Patient 60 years & above (senior) | ₹1,00,000 |
| Deduction allowed | Lower of net expense or cap |
| Tax regime | Old regime only |
| Neurological (dementia, Parkinson’s…) | ≥ 40% disability |
| Malignant cancers | Covered |
| Full-blown AIDS | Covered |
| Chronic renal failure | Covered |
| Haematological (thalassaemia, haemophilia) | Covered |
How the deduction is calculated
First subtract any reimbursement from your actual spend to get the net, out-of-pocket expense. Then cap it at ₹40,000 (below 60) or ₹1,00,000 (senior). The result is your deduction; multiply it by your slab rate to see the tax you save.
Key terms explained
Specified disease
Only diseases listed under Rule 11DD qualify — including malignant cancers, chronic renal failure, full-blown AIDS, Parkinson’s disease, dementia and thalassaemia. Ordinary illnesses are not covered.
Specialist prescription
You need a prescription from a specialist (e.g. a neurologist, oncologist, nephrologist or haematologist) confirming the disease. The old Form 10-I is not mandatory, but the prescription is essential.
Reimbursement adjustment
Any amount reimbursed by an insurer or your employer must be subtracted from the expense first. You can only claim the net amount you actually bore yourself.
Dependent
You can claim for a dependent — spouse, children, parents, brothers or sisters — who is wholly or mainly dependent on you, in addition to treatment for yourself.
Questions people ask
Short answers on Section 80DDB Medical. Tap a question to open it.
01What does section 80DDB cover?
Actual expenditure on the treatment of specified diseases — including certain neurological conditions, malignant cancers, full-blown AIDS, chronic renal failure and haemophilia or thalassaemia — for the taxpayer or a dependent.
02How much can be claimed?
The actual amount spent, subject to ₹40,000, or ₹1,00,000 where the patient is a senior citizen. The deduction is reduced by any amount received from an insurer or reimbursed by an employer.
03Who is a dependent for this section?
Spouse, children, parents, brothers and sisters of the individual who are wholly or mainly dependent on them; for an HUF, any member of the family.
04What certificate is needed?
A prescription from a specialist as prescribed by Rule 11DD — for example a neurologist, oncologist, urologist, haematologist or immunologist as relevant to the disease — giving the patient's name, the disease and the specialist's registration number.
05Is 80DDB available under the new regime?
No. Like most Chapter VI-A deductions it applies only under the old regime.
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Disclaimer: This tool gives indicative results for general guidance only and is not professional advice. Please verify with a qualified CA before acting on the numbers.