You can offset medical expenses against tax depending on what canton you live in and your taxable income. Find out which expenses are tax-deductible and what you need for your tax return here.
Illness and accident costs under basic and supplementary insurance that you have paid for yourself are tax-deductible, these include:
You can also offset your health insurance deductible or excess against tax. You can deduct health insurance premiums up to a maximum amount in your tax return – with or without a premium reduction.
Your children’s health insurance premiums are also tax-deductible, provided they are also insured under your insurance policy. You can detail the expenses in your tax return.
Contributions covered by OASI, DI or accident insurance are not tax-deductible.
Whether or not the illness and accident costs you pay for yourself are tax-deductible depends on your canton. To be eligible for tax deduction, out-of-pocket medical expenses must exceed a certain percentage of your income. Ask your cantonal tax authority about the options available to you.
Tip: have your tax statement ready before calling.
You will automatically receive a tax certificate from your health insurance company at the end of January each year. On this tax statement, you will find all the medical expenses you submitted to Helsana which we were able to settle during the tax year. In fact, the statement for your tax return will be ready for you on the myHelsana portal from mid-January.
The tax statement contains all the information you need to provide in your tax return:
Important: it is the invoice date that matters in your tax return, not the date of treatment. Only invoices settled by Helsana the previous year are taken into account for the current tax period. Any subsequent invoice settlements will appear on the statement for the following year.
Have you yet to receive a statement for your tax return (due at the end of January)? You can order a current statement via your myHelsana account or your insurance number.
Are you familiar with myHelsana? With the client portal, you can take care of all your health insurance matters conveniently from anywhere.
Are you no longer insured with Helsana, but require a tax statement? Our Customer Service team will be happy to help you: 0844 80 81 82.
Don’t forget to attach all the necessary documents to your tax return: for instance, medical certificates or receipts for out-of-pocket expenses not covered by your health insurance and therefore not yet listed on your tax statement (such as massages, acupuncture, physiotherapy, speech therapist, optician, dentist, etc.).
You can select the feature on myHelsana (app or desktop version). Click on the family contact person in the menu under “More”. There, you can select delivery in paper form under “Settings > Documents”. You will receive the statement on myHelsana and by post in mid-January.
We will deliver your tax statement to you for free.
If you want to claim all deductions, you should enclose your tax statement for inspection by the tax office. This will make it easier for the tax office to check the allowable deductions.
Yes. If you receive a premium reduction, you must disclose this along with your health insurance premium. You must pay tax on the premium reduction.
We do not know who fills in your tax return, so we send the tax statement to you directly.
Tax forms may vary from one canton to another. Please follow the guide to filling in the tax return for your canton.
The statement is always issued after the invoice date. Reimbursement vouchers from the previous year that you have yet to submit to us won’t appear on your tax statement until the following year. This is correct for tax purposes. If you want to be certain that the costs for a calendar year are visible on the statement, you should send us the receipts once you have received them so that we can process them. We cannot guarantee that invoices not received until mid-December will be listed on the current statement.
No, that is not permitted on the grounds of data protection. We only send the statement to the insured person. They can then forward the statement. However, if power of attorney is in place, we can send the statement to the tax advisor directly.
This column is used to detail amounts not covered under basic or supplementary insurance. This column is also used to list invoices that have been submitted multiple times.
Your co-payment of medical costs (deductible, excess and hospital cost contribution) is shown here. This column also shows the costs not covered in instances where payment of costs is limited (e.g. medication, complementary medicine or aids).
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