Tax-Deductible Health Insurance for Autónomos

The value

Private Cover That Also Works for Your Tax Position

As an autónomo you want private healthcare you can rely on. There is a practical bonus: under current Spanish tax rules, eligible private health-insurance premiums can be treated as a deductible business expense in your IRPF. You choose the healthcare cover that suits you, and qualifying premiums may also be treated as a deductible business expense.

Worked examples

What the Deduction Looks Like in Practice

The per-person limit is easier to picture with a few examples. The figures below are the maximum amounts you could deduct — the actual deduction for each person is limited to the eligible premiums actually paid for them.

If the premium for one person — a child, say — is below €500, the deduction is the premium actually paid, not the full €500. Your gestor applies the correct figures for your household when preparing your return.

Keep the paperwork

What to Keep for Your Return

To claim it cleanly, keep the paperwork together: your Sanitas policy documentation, the invoices or receipts for the premiums, and proof of payment such as bank statements. Your gestor uses these to include the eligible premiums in your IRPF return, so having them to hand keeps the process straightforward.

Your cover

Sanitas Profesionales — the Cover Behind the Deduction

The deduction follows the tax rules, not a particular plan, so you are free to choose the Sanitas Profesionales cover that suits your healthcare needs and budget. Every option gives you the full Sanitas network and an autónomo protection benefit for when you cannot work. Qualifying premiums paid for Profesionales, Profesionales Plus or Profesionales Óptima may count towards the deduction when the taxpayer and family conditions are met — we help you choose the plan that fits and provide your policy and payment documentation for your records and gestor.