Tax certificate FAQs

On your tax certificate, we give you the necessary information for you to complete your tax return:

The line showing the amount for your contributions shows Medical Scheme contributions for this tax period only. Any backdated changes that apply to this tax period but that were made after this certificate was created, will be shown on the tax certificate for the next tax period. If you get an IRP5 from your employer, you should rather refer to the contribution amount on the IRP5 when filling in your tax return.

• "Claims not recovered from the Scheme" refers to claims your health plan did not cover, for example, where claims were more than the benefit limit. We have included claims processed up to 29 February 2024.
• A breakdown showing the total number of active members - main member and active dependants - each month (you will need to list these on your tax return).

The tax certificate shows only the portion of your monthly contribution for which you can get a tax deduction. We consider only the portion of your monthly contribution paid to the Medical Scheme. Your monthly Vitality and KeyFIT contributions, for example, is not tax deductible.

"Claims not recovered from the Scheme" shows claims the Scheme did not pay, including any part of a claim not paid. These would be the sum of all processed in-hospital and out-of-hospital claims we did not pay, due to, for example, your funds being used up or your claims being more than your benefit limits.

Amounts you paid upfront (for example, deductibles) are included in this amount. We also include:

• A sum of all received money (for example, a payment of what you owe when the claimed amount is greater than the amount you contributed. This can happen when you leave the Scheme.)

The portion of your medical scheme contributions you can get a tax benefit on is calculated on a monthly maximum rand amount (a "capped amount") that is based on the number of people on your membership.

Visit the SARS website, www.sars.gov.za, or contact your tax adviser for more information.

We consider claims processed (or changes to how the claim was processed) after 29 February 2024 for the next year's tax certificate. The Scheme reports the tax data as at 29 February 2024 to SARS and cannot issue manual tax certificates.

Your tax certificate should be printed with an 'authorised copy' watermark. If it doesn't, change your printer settings to print background colours and graphics.