Jane Dotson
If you have private health insurance in Ireland, you may be able to claim tax relief on your premiums. This is known as Tax Relief at Source (TRS) and is calculated at 20% of the gross premium, up to a maximum of €1,000 per adult and €500 per child. You can also claim tax relief on any medical expenses not covered by your insurer, such as medical treatment received outside of Ireland, travel and accommodation expenses, and certain medical products. To qualify for relief, your treatment must be carried out by or recommended by a registered practitioner, and you must keep your receipts and documents for up to six years.
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What You'll Learn
Tax relief on medical expenses
In Ireland, you can claim tax relief on medical expenses that you pay for yourself or for someone else. This includes tax relief on premiums paid for health insurance and medical treatment received outside of Ireland. The healthcare provider must be entitled to practise in the country where the treatment is provided. If you have private health insurance, you can claim tax relief on the portion of those qualifying expenses not covered by your insurer. However, cosmetic surgery costs are not claimable unless required due to personal injury, disease, or congenital abnormality.
To qualify for tax relief, your healthcare must be carried out by, or recommended by, a registered practitioner such as a doctor or dentist. You can verify a practitioner's registration with the Irish Medical Council or the Dental Council of Ireland. Tax relief is typically provided at a standard rate of 20%. However, nursing home expenses can be claimed at your highest rate of tax.
If you are a PAYE (Pay As You Earn) taxpayer, you can claim tax relief online using myAccount. Self-assessed taxpayers, on the other hand, should utilise the Revenue Online Service (ROS) and complete the health expenses section of their annual Income Tax Return (Form 11). It is important to note that you must provide receipts to support your claim for medical expenses. For dental expenses, your dentist should complete Form Med 2, which can be used as a receipt.
Additionally, tax relief can be claimed for specific scenarios, such as speech and language therapy for children under 18 or in full-time education, educational psychological assessments for children under similar conditions, and treatment from a psychologist or psychotherapist under certain circumstances. Reasonable travel and accommodation expenses may also be claimed if the required healthcare is only available outside of Ireland. In such cases, expenses for one accompanying person may be covered, and in special cases, the expenses of both parents may be allowed if their child needs to travel for treatment.
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Tax relief on health insurance
If you have private health insurance in Ireland, you may be entitled to a tax refund. This is because you can claim tax relief on the portion of qualifying expenses not covered by your insurer. This tax relief is included in the amount you pay, so you do not need to claim this relief. However, in some situations, tax relief at source does not apply, for example, where an employer pays the medical insurance premiums on behalf of an employee. In this case, you can make a claim directly to Revenue.
The relief is given at the rate of 20% of the cost, up to a maximum of €1,000 per adult and €500 per child. A child is someone under 21 years of age that a child premium has been paid for. If you are claiming tax relief on your health insurance for the first time and your employer has paid for your health insurance in the past, you can go back four years to claim tax relief. It is important to keep all of your relevant receipts and documents in a safe place. You can claim tax relief on the cost of medical treatment received outside of Ireland, and you can also claim reasonable travel and accommodation expenses if the qualifying healthcare is only available outside Ireland.
If you are a PAYE (Pay As You Earn) taxpayer, you can claim tax relief online using myAccount. If you are a self-assessed taxpayer, use the Revenue Online Service (ROS) and complete the health expenses section on your annual Income Tax Return (Form 11). You can make a Real Time Credit claim using myAccount, which will allow you to claim health expenses and nursing home expenses when you pay them and get increased tax credits in your next payroll payment from your employer. Revenue's myAccount service also includes a receipts tracker service that allows you to store your receipt details online. If you do not use this service, you must keep your medical receipts for 6 years.
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Claiming tax relief on private health insurance
If you have private health insurance in Ireland, you can claim tax relief on qualifying medical expenses not covered by your insurer. This is known as Tax Relief at Source (TRS) and is given as a reduction in the amount of the insurance premium you pay. Since 2014, private medical insurers have been deducting 20% tax from policyholders' full Gross Premium on behalf of the Revenue Commissioner. From 1 January 2024, the TRS will be reduced from 20% to 19% for new and renewed policies.
The tax relief is included in the amount you pay, so you do not need to claim it. However, in some cases, tax relief at source does not apply. For example, if your employer pays your medical insurance premiums, this is treated as a Benefit in Kind, and tax is due on the total amount. In this case, you can make a claim directly to Revenue at a rate of 20% of the cost, up to a maximum of €1,000 per adult and €500 per child. You can also claim tax relief on medical expenses that you pay for yourself or someone else.
To qualify for relief, your healthcare must be carried out by, or recommended by, a registered practitioner such as a doctor or dentist. You can check the Irish Medical Council register or the Dental Council of Ireland register. You can also claim tax relief on the cost of medical treatment received outside of Ireland if the healthcare provider is entitled to practise in that country. If your child needs to travel for treatment, you may also claim reasonable travel and accommodation expenses for one accompanying person. In special cases, the expenses of both parents may be allowed.
If you are a PAYE (Pay As You Earn) taxpayer, you can claim tax relief online using myAccount. If you are a self-assessed taxpayer, use the Revenue Online Service (ROS) and complete the health expenses section on your annual Income Tax Return (Form 11). You can only claim for medical expenses if you have receipts to prove your claim, and you must keep these receipts for six years.
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Tax relief on medical and health expenses
If you have private health insurance in Ireland, you may be able to claim tax relief on your medical and health expenses. This applies to premiums paid for health insurance and qualifying medical expenses not covered by your insurer. For example, if you have to pay an excess on a medical procedure, you can claim tax relief on this amount. The relief is given at the standard rate of 20% of the cost, up to a maximum of €1,000 per adult and €500 per child. A child is someone under 21 years of age that a child premium has been paid for.
You can also claim tax relief on the cost of medical treatment received outside of Ireland, as well as reasonable travel and accommodation expenses if the qualifying healthcare is only available outside of the country. If you need someone to accompany you due to your medical condition, their expenses may also be covered.
To qualify for relief, your healthcare must be carried out by, or recommended by, a registered practitioner such as a doctor or dentist. You can check the Irish Medical Council register or the Dental Council of Ireland register. Additionally, you can claim for gluten-free food if you have coeliac disease or diabetic products if you have diabetes.
If you are a PAYE (Pay As You Earn) taxpayer, you can claim tax relief online using myAccount. If you are a self-assessed taxpayer, use the Revenue Online Service (ROS) and complete the health expenses section on your annual Income Tax Return (Form 11). It is important to keep all relevant receipts and documents, as you can only claim for medical expenses if you have receipts to prove your claim. For dental expenses, your dentist should complete Form Med 2, which can be used as a receipt.
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Tax relief on nursing home expenses
In Ireland, tax relief on nursing home expenses can be claimed at your highest rate of income tax. This relief is available for nursing home fees paid for yourself or for another person, as long as the nursing home provides 24-hour on-site nursing care. If you are a PAYE (Pay As You Earn) taxpayer, you can claim tax relief online using myAccount. If you are self-assessed, you can use the Revenue Online Service (ROS) and complete the health expenses section on your annual Income Tax Return (Form 11). You can only claim for medical expenses if you have receipts to prove your claim. For dental expenses, your dentist should complete Form Med 2 for you to use as a receipt.
If you are married or in a civil partnership and caring for a dependent person, you can apply for the Home Carer Tax Credit. You can claim tax relief on the cost of employing a carer for yourself or another family member, either directly or through an agency.
Tax relief is also available for premiums paid for health insurance. This relief is included in the amount you pay, so you do not need to claim it separately. To qualify for relief, your healthcare must be carried out by, or recommended by, a registered practitioner such as a doctor or dentist. You can also claim tax relief on the portion of qualifying medical expenses not covered by your insurer.
Since 2014, those with private medical insurance have had 20% tax deducted from their full Gross Premium by their private medical insurers on behalf of the Revenue Commissioner. From 1 January 2024, this rate will be reduced to 19% for new and renewed policies.
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Frequently asked questions
TRS stands for Tax Relief at Source. It is a system that reduces the premium owed by the amount of tax relief due upfront.
Since 2014, TRS has been calculated at 20% of the gross premium, limited to €1,000 per adult and €500 per child. From 1 January 2024, the TRS will reduce to 19%.
If you are a PAYE taxpayer, you can claim tax relief online using myAccount. If you are a self-assessed taxpayer, use the Revenue Online Service (ROS) and complete the health expenses section on your annual Income Tax Return (Form 11).
Medical expenses include premiums paid for health insurance, as well as costs for medical treatment, travel and accommodation for treatment received outside of Ireland, and certain specific treatments such as speech and language therapy for children. To qualify, your healthcare must be carried out by, or recommended by, a registered practitioner.
Yes, you can claim tax relief on the portion of qualifying medical expenses not covered by your insurer. This includes expenses for treatment received outside of Ireland.
