Which insurance can I deduct from tax?

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Which insurance you can deduct from tax depends, among other things, on your social security contributions. These make up the main part. Find out more in this guide about how you can claim insurance premiums for tax purposes.

Health insurance contributions - lion's share of tax-deductible special expenses
Health insurance contributions - lion's share of tax-deductible special expenses © Benjamin_Klack / Pixelio

Which insurance should I state in my tax return?

With the new regulation, the contributions to Health insurance To be able to deduct better for tax purposes, there is also the question of which insurance can be asserted, largely unnecessary.

  • The health insurance premiums are usually so high that other insurances, which according to § 10 des Income tax law can theoretically be claimed as special expenses, no longer taken into account Find.
  • The maximum limit for employees, civil servants and pensioners is 1,900 euros per year. Self-employed, non-working, privately insured persons and spouses of civil servants who are not entitled to benefits of their own can deduct EUR 2,800 from tax. If the contributions are higher, they can be applied in full, but other insurances are then absolutely no longer taken into account.
  • Section 10 of the Income Tax Act (EStG) also specifies which other insurance policies can be applied by you. This includes, for example, your private liability insurance or motor vehicle liability insurance. Liability insurance as the owner of a rented residential unit does not fall under the special expenses, but counts as income-related expenses for the rental and leasing type of income.
  • In addition to the above-mentioned insurances, contributions to long-term care insurance, Accident insurance, Disability insurance and term life insurance can be claimed for tax purposes.
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Deduct pension contributions separately for tax purposes

  • With the new regulation as to which insurance is tax deductible and after the introduction of new pension products, the tax return has also changed. It was enriched by the AV system.
  • What insurance do you have for the retirement provision can be deducted for tax purposes, results from this form.
  • This includes contributions for basic old-age insurance. The statutory ones are taken into account pension insurance, Contributions for a Rüruppension and payments to professional pension funds.
  • You can also see the contributions to Riester pension tax deductible.

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