Medical Aid Tax Credits Calculator
Medical Aid Tax Credits Calculator
Medical aid tax credits in South Africa work in two parts: Section 6A gives you R376/month for the first two members and R254/month per additional dependant.
Uses SARS 2026/2027 rates, checked 29 July 2026.
Medical Aid Credits Calculator
Medical Aid Tax Credits
Your total annual tax credits will show here.
How medical aid tax credits work in South Africa
How it's worked out
Calculate your Section 6A standard medical aid credits and Section 6B additional medical expenses credit. Uses official SARS 2026/2027 credit amounts.
Section 6B provides an additional credit for qualifying medical expenses. For under-65 taxpayers, SARS also applies a 7.5% taxable-income threshold. These credits directly reduce your tax liability rand-for-rand.
Step-by-step calculation: medical aid tax credits guide.
Understanding Medical Aid Tax Credits
South Africa's medical aid tax credit system explained — Section 6A standard credits and Section 6B additional medical credits
Section 6A — Standard Credits
- R376/month for the main member and first dependant
- R254/month for each additional dependant
- Credits reduce your tax bill directly, rand for rand
- Applied regardless of income level or age
Credit Amounts by Number of Members
| Members | Monthly Credit | Annual Credit |
|---|---|---|
| 1 member | R 376,00 | R 4 512,00 |
| 2 members | R 752,00 | R 9 024,00 |
| 3 members | R 1 006,00 | R 12 072,00 |
| 4 members | R 1 260,00 | R 15 120,00 |
| 5 members | R 1 514,00 | R 18 168,00 |
Section 6B — Additional Credit
Under 65 years old
25% × (expenses − 4 × annual Section 6A − 7.5% of taxable income)
65 years and over
33.3% × (out-of-pocket + medical scheme fees above 3 × annual Section 6A)
Qualifying Expenses Include
- Doctor, specialist and psychiatrist consultations
- Dentist and orthodontist treatments
- Optometrist, prescribed glasses and contact lenses
- Prescribed medication and pharmacy costs
- Hospital and private clinic fees
- Qualifying medical devices and prosthetics
- Not qualifying: cosmetic surgery, non-medical procedures
Medical Aid Tax Credits — Frequently Asked Questions
Common questions about Section 6A and Section 6B medical aid tax credits in South Africa
Next step
These credits can mean SARS owes you money back.
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Important Disclaimer
Accounter does not provide accounting, tax, business or legal advice. This calculator has been provided for information purposes only. You should consult your own professional advisors for advice directly relating to your business.