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Use your parents' health insurance. Tax deduction. 👨🏻‍🦰👩🏻‍🦰

2025/9/9 Edited to

... Read moreหลายคนซื้อประกันสุขภาพให้พ่อแม่แล้วค่อยนึกได้ตอนยื่นภาษีว่า “เอามาลดหย่อนได้ไหมนะ?” เราเองก็เคยงงเหมือนกัน เลยสรุปแนวทางเช็คแบบเร็วๆ ให้ทำตามได้จริง (เน้นลดหย่อนภาษีจาก “เบี้ยประกันสุขภาพพ่อแม่/ประกันพ่อแม่”) 1) ลดหย่อนอะไรได้บ้าง และได้เท่าไหร่ - ถ้าเป็น “ประกันสุขภาพของพ่อแม่” โดยทั่วไปจะใช้สิทธิลดหย่อนได้ตามเพดานที่กฎหมายกำหนด คือสูงสุด 15,000 บาท/คน/ปี (พ่อ 15,000 + แม่ 15,000) - หลายคนถามต่อว่า “ประกันชีวิตพ่อแม่ ลดหย่อนได้ไหม?” คำตอบคือบางกรณีทำได้ แต่ต้องดูว่าเป็นแบบที่เข้าเงื่อนไขลดหย่อนอะไร (ชีวิต/สุขภาพ) และต้องมีเอกสาร/รูปแบบกรมธรรม์ถูกต้อง แนะนำเช็คเงื่อนไขจากบริษัทประกันและหน้าสรุปสิทธิในเอกสารภาษีทุกครั้ง 2) เงื่อนไขสำคัญที่มักพลาด: รายได้ของพ่อแม่ จุดนี้สำคัญมาก เพราะสิทธิจะใช้ได้เมื่อ “รายได้ของพ่อแม่ไม่เกินเกณฑ์” (ที่เจอบ่อยคือไม่เกิน 30,000 บาท/ปี) ก่อนยื่นภาษีควรคุยกับพ่อแม่ให้ชัดว่าในปีภาษีนั้นมีรายได้อะไรบ้าง เช่น ดอกเบี้ย/ค่าเช่า/งานพาร์ทไทม์/รายได้อื่นๆ เพื่อไม่ให้ยื่นแล้วต้องแก้ทีหลัง 3) ใครเป็นคนจ่ายเบี้ยมีผลไหม? โดยหลักๆ คนที่ต้องการใช้สิทธิจะต้องเป็นผู้เสียภาษีที่ “จ่ายเบี้ยประกัน” และต้องมีหลักฐานการชำระเงิน/ใบเสร็จ/หนังสือรับรองการชำระเบี้ยให้พร้อม (ถ้าจ่ายผ่านบัตร/โอน ควรเก็บสลิปไว้ด้วย เผื่อมีตรวจสอบ) 4) ต้องเตรียมเอกสารอะไรตอนยื่น สิ่งที่เราเตรียมไว้แล้วทำให้ยื่นง่ายขึ้นคือ - หนังสือรับรองการชำระเบี้ยประกัน (เพื่อใช้ลดหย่อนภาษี) - เลขที่กรมธรรม์/ชื่อผู้เอาประกัน/ผู้ชำระเบี้ย - หลักฐานการจ่าย (สลิป/รายการบัตร) Tip: ถ้าบริษัทประกันส่งข้อมูลเข้าระบบภาษีอัตโนมัติ ก็ยังควรเก็บเอกสารไว้ เผื่อข้อมูลไม่ขึ้นหรือขึ้นไม่ครบ 5) เช็คลิสต์ก่อนกดส่งภาษี (กันพลาด) - เบี้ยที่นำมาลดหย่อนรวมแล้วไม่เกิน 15,000 บาท/ท่าน - รายได้พ่อแม่เข้าเงื่อนไขทั้งปีภาษี - กรมธรรม์เป็น “ประกันสุขภาพ/ประกันพ่อแม่” ที่ใช้สิทธิได้จริง (มีเอกสารลดหย่อน) - ชื่อ-นามสกุล/เลขบัตร ปชช. ในเอกสารถูกต้อง สรุปคือ ซื้อประกันสุขภาพให้พ่อแม่ “เอาไปลดหย่อนภาษีได้” แต่มีเงื่อนไขนะ โดยเฉพาะเรื่องรายได้ของพ่อแม่กับเอกสารรับรอง ถ้าเช็คครบตั้งแต่แรก จะช่วยลดเวลาวุ่นวายตอนยื่นภาษีมากๆ

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