Medical aid for self-employed South Africans

Without an employer paying half, self-employed members pay full contributions — but you get full choice of scheme and a SARS medical scheme fees tax credit each month.

Frequently asked questions

Is medical aid tax deductible for self-employed people?

Self-employed individuals receive the same monthly Medical Scheme Fees Tax Credit as employed members, plus the additional credit for high out-of-pocket spending.

Can I claim my full contribution back?

No — only the fixed tax credit per member and dependant. The credit reduces tax owed, not your contribution directly.