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Claim tax on Affinity Health Medical Scheme?



Anthea says:
4 April 2022 at 14:18

I have a hospital plan with Affinity Health Medical scheme. Does that fall under medical insurance or medical aid? Please note that the plan pays for in-hospital expenses only. I already gave them a call and they advised me they cannot provide me with a tax certificate, they are a medical insurance company. So do I still proceed under the medical aid section if I have pathology expenses and prescription medication that I paid for which I want to claim?

TaxTim TaxTim says:
4 April 2022 at 14:26

Unfortunately, Affinity Health, as a medical insurance, is not tax-deductible. You will however still be able to claim against the medical expenses under the medical aid section when asked if you had any out of pocket medical expenses. Please note that Out-of-pocket medical costs, as per SARS, are those qualifying medical expenses that you’ve paid for yourself, which have not been reimbursed by medical aid/insurance. SARS has certain restrictions on what qualifies as an out-of-pocket medical expense. Kindly see our blog on Medical expenses tax for more information. Examples of qualifying medical expenses are any amounts that were paid by you, as the taxpayer, during the year of assessment:
  • For professional services rendered and medicines supplied by a registered medical practitioner, dentist, optometrist, homeopath, naturopath, osteopath, herbalist, physiotherapist, chiropractor or orthopaedist to you or any of your dependant(s)
  • To a nursing home or hospital, or any duly registered or enrolled nurse, midwife or nursing assistant (or to any nursing agency in respect of the services of such a nurse, midwife or nursing assistant) in respect of the illness or confinement of the person or any dependant of the person
  • For medicines prescribed by a registered medical practitioner and acquired from a pharmacist
  • Medical expenses incurred and paid outside South Africa
It's important to note that “over the counter” medicines - such as cough syrups, headache tablets or vitamins don't qualify as medical expenses - unless specifically prescribed by a registered medical practitioner and acquired from a pharmacist.

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