Complete guide to SARS medical tax credits in South Africa for 2026. Learn about medical scheme fees tax credit, additional medical expenses tax credit, how to claim them, and calculation methods.
Medical tax credits can significantly reduce your tax liability in South Africa. Understanding how medical tax credits work, how to claim them, and how they're calculated helps you maximize your tax savings. This comprehensive guide covers everything you need to know about SARS medical tax credits for 2026.
Definition:
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Who Qualifies:
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Qualifying Expenses:
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Age Groups:
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Note: Actual calculation is complex and depends on various factors. Use eFiling calculator or consult tax practitioner.
Medical Scheme:
Additional Expenses:
Record Keeping:
For 2026, it's R364 per month for the first member and R364 for each additional dependent on a medical scheme.
It's usually applied automatically if you're on a medical scheme, but verify it's included in your return.
Yes, you can claim both the medical scheme fees credit and the additional medical expenses credit if you qualify.
Qualifying medical expenses not covered by your medical scheme, subject to specific rules and limits.
Usually not, as it's based on contributions. But keep your medical scheme tax certificate.
Contact your medical scheme or download it from their online portal. It's usually issued automatically.
Maintenance:
Check:
Awareness:
No, medical tax credits are non-refundable. They reduce your tax liability but won't result in a refund if your tax is already zero.
You may still qualify for additional medical expenses tax credit, but not the medical scheme fees credit.
Check with the Council for Medical Schemes or verify with your scheme. Only registered schemes qualify.
You can claim credits for both schemes based on the months you were a member of each.
Yes, credit amounts may be adjusted annually in the budget. Check current year rates.
Medical tax credits can provide significant tax savings for South African taxpayers. By understanding how they work, keeping proper documentation, and claiming them correctly, you can maximize your tax benefits. Remember that credits are applied automatically for medical scheme members, but verify they're included in your return.
For assistance with medical tax credits or complex calculations, consult a qualified tax practitioner or use the SARS eFiling calculator.
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Specializing in South African tax law, SARS eFiling, and tax compliance with extensive knowledge of the South African Revenue Service.