Medical Aid Tax Certificates and Out-of-Pocket Expenses

Keep track of expenses you paid yourself and check your medical scheme tax certificate. Submitting a claim does not automatically create a tax saving.

Keep the records, even if benefits are exhausted

Keep invoices, proof of payment and claim statements for expenses you pay yourself. Ask your scheme how to submit these claims and how recorded amounts appear on your tax certificate. Check the certificate against your own records rather than assuming every expense is included.

A rejected claim is not a guaranteed tax credit

SARS distinguishes medical scheme fees tax credits from additional medical expenses tax credits. Additional credits apply only to qualifying expenses and are subject to limits. An unpaid invoice is different from an expense you actually paid, and an amount reimbursed by a scheme or insurer must not be counted again as your own unreimbursed cost.

Before submitting your tax return

Download the certificate for the correct tax year.
Reconcile amounts with proof of payment and reimbursements.
Ask the scheme to explain discrepancies.
Ask SARS or a tax practitioner which amounts qualify in your circumstances.

Medical Aid Hub can help with scheme queries and claims administration. Tax calculations and return advice should be handled by a qualified tax practitioner.

Sources and further reading

SARS: Medical credits

General information. Your scheme rules and individual circumstances matter. Contact your scheme or an appropriately qualified adviser for a decision about your situation.