Tax calculator
Calculate your tax savings
How much of your private health insurance premiums do you get back through tax? Calculate your yearly savings. Anonymous and instant.
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€
79%
€
€
Your premium after tax
Premium after employer contribution and tax / month ·
Tax savings / month·
Tax savings / year·
Marginal tax rate·
Claimable / year·
Detailed calculation
Total premium / month·
Less Krankentagegeld KrankentagegeldPrivate sick pay: a daily allowance from private insurance while you are unable to work. It replaces lost income from an agreed day of illness.More about Krankentagegeld → share (not claimable)·
Remaining health insurance premium·
x basic cover share (79%)·
Less employer contribution·
Claimable for tax / month·
Claimable / year (x 12)·
x marginal tax rate·
Tax savings / year·
Calculated under §§ 10, 32a EStG 2026. No tax advice. What you can actually claim depends on the plan. Sources: Bundesministerium der Finanzen, BUNDESSTEUERBLATT.
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Common questions about the tax benefit of private health insurance
Which part of my private health insurance premium can I claim for tax?
You can claim the share that matches the benefit level of statutory health insurance. This is the so-called basic cover. Your insurer states this amount every year in a tax certificate. For most plans, the basic cover share is usually between about 80% and almost 100% of the pure health insurance premium. Krankentagegeld is explicitly excluded and cannot be claimed.
What does the marginal tax rate mean for my tax savings?
The marginal tax rate shows what percentage of each additional euro of income goes to tax. With a taxable income of €60,000, it is around 38.6% under the 2026 tax scale (§ 32a EStG) for individual assessment, and 42% in the upper income range. Each euro of private health insurance premium you can claim lowers your tax by exactly this percentage. With a marginal tax rate of 42%, you get €420 back from the tax office for €1,000 of premiums you can claim.
Can employees with private health insurance claim it for tax too?
Yes. In principle, § 10 EStG applies to everyone with private health insurance. Employees, however, already receive a tax-free employer contribution to their private health insurance. This reduces the share they pay themselves and can claim. The basic cover share is reduced by the employer contribution before it counts as a special expense. For self-employed people without an employer contribution, the full basic cover share can be claimed.