It must be understood that general medical insurance does not have fiscal rights or tax discounts. Only the self-employed have it if they can benefit from this benefit where they will achieve fiscal savings.
Up to the 2016 they could benefit from up to 500 euros of premium as maximum of medical insurance and up to 1500 € per family for both spouses and children. From 2016 a new law was modified for the self-employed person, where there is now no 1500 € limit, so there is a little extension of the premium to which they can apply. However, up to 1500 € would be the disability part.
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How can a general worker with health insurance obtain tax savings?
The only option for a worker in a general scheme is that the company itself can make insurance. There are different non-compulsory insurance plans where the main characteristic is that the company pays the insurance premium. This is about a social benefit that the company makes. Instead of making a wage increase, it grants health insurance. In this way, a unit can benefit and be willing to avoid waiting lists and have any medical service.
Then there is another option that has been running for about 15 for years. In the first option explained, the company has to pay the worker. However, there are many cases in which the company does not have that capital prepared to be able to manage that expense. For this reason, there is another option called a flexible compensation plan, which is what we call the compensation package.
The remuneration package comes within the 42 law of IRPF where each one chooses the retributive package that he wants. For example, it can be a restaurant ticket package, a savings insurance package, etc. The fourth or fifth package is the medical insurance. With this remuneration package they will benefit above all in the IRPF, that is, put those 500 € at most and there would be 1500 € for spouse and children who as a maximum as a general scheme can benefit fiscally. This means that for example a person who pays around an 18% IRPF to have that insurance as a compensation package would lower the IRPF in 17% so that would win that point fiscally speaking.
