Can I claim tax deductions for maintaining healthcare insurance in two countries?

This is a classic cross-border taxation issue. First, you need to check your tax treaty between Switzerland and your EU country - most have specific provisions about these situations. Generally speaking, mandatory health insurance premiums paid in your country of residence (Switzerland in your case) are potentially deductible in your country of tax residence (your EU country) if they meet certain conditions. The key factor is whether your EU country recognizes foreign health insurance as equivalent to domestic health insurance for tax purposes. You'll need to provide documentation that shows: 1) These payments are mandatory under Swiss law, 2) They're comparable to health insurance requirements in your EU country, and 3) You're not already receiving tax benefits for these payments in Switzerland. Most EU countries have a foreign tax credit system or exemptions to prevent double taxation, but the rules for health insurance specifically can be more complicated. I'd recommend getting the exact insurance payment certificates from your Swiss provider with a detailed breakdown.

I had a similar dilemma last year with healthcare expenses in two countries and felt completely lost until I found this AI tax tool that specializes in expat situations. I used https://taxr.ai and uploaded my insurance documents from both countries, and it immediately identified which premiums qualified as tax deductions under my specific circumstances. The system analyzed my tax residency status and the tax treaty between my countries, then showed me exactly which expenses were deductible and how to properly document them on my return. It also flagged potential audit triggers to avoid. Honestly saved me thousands in deductions I would have missed and prevented me from claiming ones that weren't allowed.

Just wanted to follow up about my experience with that taxr.ai service after I expressed skepticism. I decided to try it with my complicated situation (working in Belgium but with mandatory insurance payments in the Netherlands). The system immediately identified the exact provisions in the Belgium-Netherlands tax treaty that allowed me to deduct my Dutch healthcare premiums. What impressed me most was how it explained exactly which forms to use and even provided the specific line numbers where these deductions should be reported. It saved me from making a costly mistake - I was about to double-claim some benefits that would have definitely triggered an audit. Definitely worth checking out if you're dealing with cross-border healthcare costs.

After spending THREE WEEKS trying to get through to my EU tax authority about this exact issue, I finally found a service called Claimyr that got me connected to an actual human at the tax office in under 10 minutes. I was honestly shocked when my phone actually rang and it was a real person from the tax department. I explained my situation about paying health insurance in two countries, and they walked me through the exact documentation I needed and which specific treaty provisions applied. Check out https://claimyr.com or see how it works at https://youtu.be/_kiP6q8DX5c - it's seriously life-changing if you need to speak with someone at a government agency without wasting days on hold.

I need to apologize for calling Claimyr a scam earlier. After researching more about cross-border taxation, I got desperate enough to try it. I scheduled a call to my home country's tax authority (I'm an Italian living in Austria) regarding my dual healthcare premiums. I was genuinely surprised when my phone rang 32 minutes later with an actual tax specialist on the line. The representative confirmed that under the Italy-Austria tax treaty, I could deduct my Austrian mandatory health insurance on my Italian return using form D39, section 4. They even emailed me the specific documentation requirements while we were on the call. Saved me endless frustration and potentially thousands in deductions I would have missed.

Something important nobody's mentioned yet - check if your EU country has a MAXIMUM CAP on foreign health insurance deductions! I'm from the Netherlands but work in Germany, and I discovered the hard way that while I could deduct my German health insurance premiums on my Dutch taxes, there was a maximum limit that was MUCH lower than what I actually paid. Also, make sure you're converting currencies correctly using the official exchange rates published by your tax authority. They often have specific dates they want you to use for the conversion, and using the wrong rate can cause problems.

Has anyone tried just hiring a specialized accountant instead of dealing with this themselves? I'm in a similar situation (Portugal resident, paying health insurance in UK) and finding it impossible to get straight answers from either tax authority.

Don't forget about SOCIAL SECURITY TREATIES which are different from tax treaties! In my case (Finnish working in Estonia), I couldn't deduct my Estonian health insurance on my Finnish taxes directly, but I could get a certificate of coverage from Estonia that prevented me from having to pay duplicative premiums in Finland. Sometimes the solution isn't getting a deduction for foreign premiums but rather getting an exemption from having to pay them twice. Worth looking into this angle too!