Yes, in most cases the tax relief is already applied through your payroll, but here’s how it works:

  1. Tax Relief at Source (TRS):
    • The premium is usually reduced by 20% before your employer pays the insurer.
    • However, the full pre-discount amount is treated as a taxable benefit (BIK) and included in your payslip.
  2. You still get the credit:
    • Even if your employer pays, you’re entitled to the tax credit at 20%.
    • This should appear on your Tax Credit Certificate (TCC) automatically.
  3. If it’s missing:
    • Log in to myAccount → “Manage your tax” → “Add new credits” → “Medical Insurance Relief.”
  4. For past years:
    • Request a Statement of Liability via myAccount and complete your Income Tax Return to claim.

Note:
If your employer only pays part of the premium, you only get relief on the portion they pay.