Your Medical Cover

Select the year of assessment (1 March – 28/29 February).
People on your medical scheme besides yourself (the main member). The first dependant earns the same credit as the main member; each additional dependant earns a lower credit.
2 dependants

3 people on the scheme (you + 2).

The total you pay to your medical scheme each month (your portion — exclude any part paid by your employer as a taxed benefit is already included in your contribution).
R
Qualifying medical expenses you paid yourself for the year that the scheme did not cover — e.g. co-payments, above-threshold amounts, and other SARS-recognised medical costs.
R
From age 65 the extra credit is calculated more generously (33.3% with no income threshold).
Under 6565+
40 years old
Tick if you, your spouse or a dependant has a disability as defined by SARS. This unlocks the more generous 33.3% calculation regardless of age.
Your annual taxable income. Under 65, only medical spend above 7.5% of your taxable income counts towards the additional credit.
R

Estimate only. The medical scheme fees tax credit and additional medical expenses tax credit (s6A/s6B) reduce your tax payable, not your taxable income. Qualifying expenses must meet SARS rules. Consult a registered tax professional for your situation.

Total Medical Tax Credit (year)

R 13 188

Off your tax bill — R 1 099 a month on average.

Scheme Credit (MTC)

R 12 072

Additional Credit

R 1 116

2027 (Mar 2026 – Feb 2027)R1 006/month scheme credit

Where Your Credit Comes From

Detailed Calculation

Monthly Scheme CreditR 1 006
Annual Scheme Credit (MTC)R 12 072
Annual ContributionsR 54 000
Contributions over 4× the MTCR 5 712
+ Out-of-Pocket ExpensesR 25 000
Less: 7.5% of taxable income− R 26 250
Additional Credit (25%)R 1 116
Total Tax CreditR 13 188
Under 65 — 25% of medical spend above 7.5% of income.