Jane Dotson
If you have private health insurance in Ireland, you may be eligible for a tax refund. The tax relief is included in the amount you pay, so you do not need to claim this relief. However, if your insurance doesn't cover all your medical costs, you can claim tax relief on the portion of those qualifying expenses not covered by your insurer. This includes medical treatment received outside of Ireland, as well as reasonable travel and accommodation expenses. You can also claim tax relief on medical expenses that you pay for yourself or for someone else. This can be done by setting up an account and submitting your claim directly through Revenue.
| Characteristics | Values |
|---|---|
| Who can claim? | Taxpayers who have paid for private health insurance |
| What can be claimed? | Tax relief on medical expenses |
| How much can be claimed? | 20% of the gross amount paid (capped at €1,000 per adult and €500 per child) |
| When to claim? | Claims can be made for the past four years |
| Where to claim? | Revenue's website (revenue.ie) |
| How to claim? | Sign up for a 'myAccount' on the website |
| Any documentation required? | All relevant receipts and documents |
| Can I claim for past expenses? | Yes, if you were eligible for relief but didn't claim it |
| Can I claim for future expenses? | Yes, if your insurance doesn't cover all medical costs |
| Can I claim for expenses outside Ireland? | Yes, if the healthcare provider is entitled to practise in that country |
| Can I claim for travel and accommodation? | Yes, if the qualifying healthcare is only available outside Ireland |
| Can I claim for a companion's expenses? | Yes, for one accompanying person |
| Can both parents claim for a child's treatment? | Yes, in special cases where it is necessary for both parents to accompany the child |
| Can I claim for cosmetic surgery? | Yes, if it is required due to a personal injury, disease, or congenital abnormality |
| Can I use a third party to claim relief? | Yes, services like Taxback and Irish Tax Rebates can help with the process |
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What You'll Learn
Claiming tax relief on medical expenses
If you have incurred medical expenses, you may be able to claim tax relief on them in Ireland. This applies to medical expenses that you have paid for yourself or for someone else. You can also claim tax relief on the portion of qualifying expenses not covered by your insurer.
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 check the Irish Medical Council or the Dental Council of Ireland registers to confirm that your practitioner is registered.
You can claim tax relief on the cost of medical treatment received outside of Ireland, as long as the healthcare provider is entitled to practise in the country where the care is provided. If the treatment is only available outside of Ireland, you can also claim reasonable travel and accommodation expenses. If you need someone to accompany you due to your medical condition, their expenses may also be covered (for one accompanying person). If your child needs to travel for treatment, the expenses of both parents may be allowed in special cases.
You can also claim tax relief on the cost of purchasing, maintaining and repairing medical, surgical, dental, or nursing appliances, including hearing aids. There are conditions that apply to the purchase of these items, which are explained in Tax and Duty Manual 15-01-12.
If you are claiming tax relief on medical expenses for the first time, you can go back and claim tax relief for the past four years. The tax relief is generally 20% of the gross amount paid, capped at €1,000 per adult and €500 per child.
You can claim tax relief directly through Revenue by setting up a 'myAccount' on the Revenue website. You can also use a service like Taxback or Irish Tax Rebates, which will take care of the paperwork for you and deliver your refund straight to your bank account.
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Tax relief on health insurance premiums
If you have private health insurance in Ireland, you may be eligible for a tax refund on your premiums. This is known as tax relief at source and is given as a reduction in the amount of the insurance premium you pay. The 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, if your employer pays your medical insurance premiums. In this case, you can make a claim directly to Revenue.
To qualify for tax relief on health insurance premiums, 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 to find a registered practitioner. The relief is given at a rate of 20% of the cost, up to a maximum of €1,000 per adult and €500 per child (under 21 years old).
If you are claiming tax relief on medical expenses 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 on your health insurance premiums. It is important to note that you can only claim tax relief on the first €1,000 per adult and the first €500 per child. Keep in mind that you will need to provide relevant receipts and documents to support your claim.
You can also claim tax relief on medical expenses that you pay for yourself or for someone else. This includes the cost of medical treatment received outside of Ireland, as long as the healthcare provider is entitled to practise in that country. If the qualifying healthcare is only available abroad, you can also claim reasonable travel and accommodation expenses. Additionally, if you need someone to accompany you due to your medical condition, their expenses may be covered for one accompanying person.
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Claiming tax relief on medical costs outside Ireland
If you are an Irish resident and have received medical treatment outside of Ireland, you may be able to claim tax relief on the cost of your medical expenses. This also includes any costs incurred for travel and accommodation if the healthcare received was not available in Ireland. To qualify for tax relief, the healthcare provider must be entitled to practise in the country where the treatment was provided.
You can claim tax relief on medical expenses that you pay for yourself or for someone else. This includes premiums paid for health insurance and any medical treatment costs not covered by your insurer. 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.
If you are claiming tax relief on medical expenses for the first time, you can backdate your claim by up to four years. You can claim tax relief at a rate of 20% on the cost of your medical expenses, up to a maximum of €1,000 per adult and €500 per child. 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, you can 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 when claiming tax relief on medical expenses, as you may be subject to an audit from Revenue. You can also use a service like Taxback, which can help you file your tax return and claim your tax entitlements.
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Tax relief on medical appliances
If you are undergoing a new procedure or trying out a new appliance, it is worth checking whether you can claim tax relief. You can claim tax relief on medical expenses that you pay for yourself or for 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. The full list of eligible medical expenses is extensive, and if you have paid for eligible health expenses, you will be entitled to claim relief at your standard rate of tax (20%). Nursing home expenses can be claimed at your highest rate of tax (40%).
If you have private health insurance, you can claim tax relief on the portion of those qualifying expenses not covered by your insurer. You can claim tax relief on the cost of medical treatment you get outside Ireland, provided the healthcare provider is entitled to practise in the country where the care is provided. If the qualifying healthcare is only available outside Ireland, you can also claim for reasonable travel and accommodation expenses. If you need someone to accompany you because of your medical condition, their expenses may be covered (for one accompanying person). If your child needs to travel for treatment, the expenses of both parents may be allowed in special cases where it is necessary for both parents to be with the child.
If this is your first time claiming relief, and your employer has paid for your health insurance in the past, you can go back four years to claim tax relief on your health insurance (provided you haven’t claimed before). It’s also important to keep in mind that you can only claim tax relief on medical insurance premiums on the first €1,000 per adult and the first €500 per child.
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Tax relief on employer-paid health insurance
If your employer pays your health insurance premium, Revenue will consider this a Benefit in Kind, and you will be taxed on the gross value of the policy. This means that the TRS system does not apply a discount to the cost of your premium, and you will need to claim the tax relief directly yourself.
You can claim tax relief on medical expenses that you pay for yourself or for someone else. If your employer pays your medical insurance premiums, you can make a claim directly to Revenue. The relief is given at a rate of 20% of the cost, up to a maximum of €1,000 per adult and €500 per child (under 21 years of age).
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 for gluten-free food if you have coeliac disease or diabetic products if you have diabetes.
If you are claiming tax relief for the first time, you can go back four years to claim tax relief on your health insurance (provided you haven’t claimed this before). You will need to file an annual tax return and include details of the gross premium paid on your behalf by your employer.
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Frequently asked questions
You can claim tax relief on medical insurance premiums on the first €1,000 per adult and the first €500 per child. The relief is given at a rate of 20% of the cost.
You can claim tax relief by signing up for a 'myAccount' on the Revenue website. You can also use a service like Taxback, which will take care of the paperwork for you.
You can claim tax relief on medical expenses that you pay for yourself or for someone else. This includes the cost of purchasing, maintaining and repairing medical, surgical, dental or nursing appliances, routine dental and ophthalmic (eye) care, and drugs and medicines. You can also claim tax relief on the portion of qualifying medical expenses not covered by your insurer.
Yes, you can. If your employer has paid for your health insurance, you can go back four years to claim tax relief. However, you will be taxed on the gross value of the cover.
