Insurance & protection
Health Insurance Tax Relief Calculator Ireland 2026
Apply individual adult/child premium caps and deduct relief already granted. This free health insurance tax relief calculator ireland 2026 shows the calculation and its assumptions so you can compare your own figures.
Your results
Apply individual adult/child premium caps and deduct relief already granted.
Calculated outcomes
- Net Premium Cost
- €3,820.00
Assumptions and estimates
- 2026 administrative practice for medical-cover policies: 20% of premiums, capped at €1,000 per adult and €500 per qualifying child. Enter gross premiums before TRS, one per person. Dental-only policies and age/category rules need separate checking. TRS often already reduces the bill; do not claim the same relief twice. Employer-paid policies require a separate Income Tax claim and BIK treatment.
- Method: 20% of the lesser of each gross medical-cover premium or €1,000 adult/€500 child cap; avoid duplicate TRS.
- Rates/conditions reviewed against the linked official sources on 5 October 2026. Confirm the stated scope before relying on the result.
Sources: Official rules and guidance
Useful next steps
- Use Compare options to test an alternative side by side.
- Check the official sources above before relying on the figure.
- Copy, print or download a record of this calculation when you need one.
Reports open your email app addressed to s@s1.ie with the public page address only. Your inputs are never added.
How the health insurance tax relief 2026 calculation works
20% of the lesser of each gross medical-cover premium or €1,000 adult/€500 child cap; avoid duplicate TRS.
Rates/conditions reviewed against the linked official sources on 5 October 2026. Confirm the stated scope before relying on the result.
Using this calculator
- Enter your own figures in the labelled inputs. Keep the currencies, units and time periods consistent.
- Choose any applicable rate profile, pattern or assumption shown for this tool. Open additional inputs when relevant.
- Review total policy tax relief and additional unapplied relief, then read the stated assumptions and eligibility conditions before using the result.
Official sources and further information
Worked example
This is a static example using illustrative inputs, not facts about you or today’s date. The displayed eligibility selections and assumptions apply only to this example.
See example inputs
- Gross medical-cover premiums per adult (€)
- 1800, 1600
- Gross premiums per qualifying child (€)
- 600, 400
- TRS / relief already granted (€)
- 500
- Total Policy Tax Relief
- €580.00
- Additional Unapplied Relief
- €80.00