How do you deduct health insurance if you are self-employed?

Discover how to deduct health insurance if you are self-employed and the tax benefits offered by DKV to help you save on your tax return
 

If you're self-employed, taking care of your health is just as important as taking care of your business. Therefore, taking out health insurance for self-employed workers not only offers you quick access to specialists and diagnostic tests, it can also help you save on your tax return thanks to the tax advantages offered by DKV.

 

Tax advantages of health insurance for the self-employed

Law 6/2017 on Urgent Reforms to Self-Employment allows self-employed workers to deduct the premiums paid for health insurance from their personal income tax, both for themselves and for their spouse and children under 25 years of age who live in the same home. The deduction limit is €500 per insured person, and can go up to €1,500 if any of the beneficiaries has a recognised disability.

This deduction can be applied in two ways:

  • Through a quarterly reduction using form 130.

  • Directly in the annual tax return using form 100.

It's essential to keep the policy and payment receipts for at least four years, as this is the period the Tax Agency has to conduct reviews.


Why choose DKV for your health insurance for self-employed workers?

At DKV, we understand the specific needs of the self-employed. That's why our health insurance includes tailored cover and exclusive tax benefits for this group:

  • Access to a comprehensive medical directory from day one, as well as the best private medical centres and hospitals in the country.

  • Unlimited video consultations and 24-hour medical chat.

  • Dental services included in all insurance plans.

  • Free accounts management with the tool Factuconta, ideal for making invoicing and tax calculations easier. (Exclusive for the DKV Famedic Profesional product)

  • Discounts of up to 25% on your DKV Profesional health insurance if you're self-employed.

Additionally, you can choose from options such as DKV Famedic Profesionaldesigned for you and your family, or DKV Profesionalwhich allows you to personalise your insurance depending on your needs.


Take out your health insurance and start saving

Taking out health insurance with DKV not only gives you peace of mind and access to the best healthcare, but also allows you to optimise your taxes as a self-employed worker. Discover all the options available in our