05/10/2026
GET TAX RELIEF ON YOUR SPANISH MEDICAL PLAN.
Yes, the Spanish government allows
self-employed workers (autónomos) taxed under the direct assessment regime (estimación directa) to deduct private health insurance premiums as a business expense for themselves and their immediate family.
💡 Deduction Limits
• 📌 Autónomo (You): Up to €500 per year.
• 📌 Spouse: Up to €500 per year.
• 📌 Children under 25: Up to €500 per year (must live at home).
• 📌 Family members with disability: Up to €1,500 per person per year.
🔎 Key Rules & Requirements
• Tax Regime:
You must be on direct assessment (estimación directa normal or simplified), not the objective estimation module system (módulos).
• Total Cap:
For a standard family of three (you,spouse, one child), you can deduct up to €1,500 annually against your income tax (IRPF).
• Documentation: Keep the annual policy certificate and invoices from your insurer (DKV Seguros, Sanitas, BBVA, Caser, etc.) for your annual tax return (declaración de la renta)