Is there a way to claim the costs of my supplementary health insurance on my taxes?
October 27, 2023 | 30,00 EUR | answered by Sophia Evers
Dear team of the online consultation,
My name is Claudia Heck and I have been privately insured for many years. In addition, I have taken out supplementary health insurance to provide myself with even more comprehensive coverage. Now I am wondering if there is a possibility to deduct the costs of this supplementary health insurance from my taxes.
Currently, the monthly premiums for the supplementary health insurance are a significant financial burden for me. As I am employed and also have other expenses such as rent, food, and other insurances to cover, it would be a great relief if I could deduct the premiums for the supplementary health insurance from my taxes.
I am concerned that the additional costs of the supplementary health insurance could become a financial burden in the long run. Therefore, I am looking for possible solutions to reduce the monthly costs or at least make them tax deductible.
Could you please help me and let me know if there is a legal regulation that allows for the deduction of the costs of my supplementary health insurance from taxes? If so, what are the requirements that need to be met and what steps do I need to take to take advantage of this opportunity?
Thank you in advance for your support!
Kind regards,
Claudia Heck
Dear Claudia Heck,
Thank you for your inquiry regarding the tax deductibility of contributions for your supplementary health insurance. It is understandable that the additional costs are a financial burden for you and you are looking for ways to reduce them.
In principle, contributions for supplementary health insurance can be tax deductible, but there are certain conditions to consider. Firstly, the supplementary health insurance must be considered a "provision expense". This means that the insurance is intended to maintain, restore, or improve your health.
Furthermore, the contributions for supplementary health insurance must be paid in addition to the contributions for basic health insurance. If the supplementary health insurance is already included in your private health insurance, the contributions cannot be deducted separately.
To claim the tax deduction for contributions for supplementary health insurance, you must declare them in your tax return under "provision expenses". This includes contributions for health, long-term care, and pension insurance. It is important that you can provide the necessary evidence, such as your insurance policies and payment receipts.
Please note that there is a maximum limit for deductible provision expenses. For the year 2021, this limit is 9% of your total income, with a maximum of 25,732 euros for singles and 51,464 euros for married couples.
In your specific case, it is advisable to consult a tax advisor or a specialist in tax law to ensure that you meet all the requirements for the tax deductibility of contributions for your supplementary health insurance and to correctly declare everything in your tax return.
I hope this information is helpful to you and wish you success in claiming the tax deduction for your supplementary health insurance contributions.
Best regards,
Sophia Evers
