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Medical tax credits
SARS gives a fixed credit for each person on your medical aid, plus an extra credit when your medical costs are high compared with your income.
Medical credits for the yearR9,024R752 a month off your tax
- Monthly credit (s6A)R752 a month
- Monthly credits for the yearR9,024
- Additional credit (s6B)R0
- TotalR9,024
How it works, with your numbers
- Monthly credit (s6A): R376 for the main member, R376 for the first dependant = R752 a month × 12 months = R9,024.
- Additional credit (s6B, under 65): fees over 4 × the credit (R11,904) plus out-of-pocket costs (R5,000), less 7.5% of taxable income (R30,000) = R0. A quarter of that is R0.
- Most people under 65 get no additional credit: the 7.5% of income has to be passed first.
Good to know
- Your employer usually gives you the monthly credit through PAYE. The additional credit only comes when you file.
- Keep the medical aid tax certificate and the slips for anything the scheme didn't pay.
Uses SARS rates for the 2027 tax year. For illustration only. This is a guideline to help you plan, not tax advice: a registered tax practitioner must review and approve the final figures before you file.