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What are monthly taxes and levies on top of my health insurance?
What are monthly taxes and levies on top of my health insurance?
Aine Kavanagh avatar
Written by Aine Kavanagh
Updated over a week ago

Taxes and charges for health insurance are different from country to country.
Let's look at some common charges that you might be subject to.

Insurance tax premium (IPT)
Insurance premium tax is a tax that is charged on your insurance premium.

What does this mean?
Your insurance premium, is the amount of money you pay for your insurance policy. This is determined by a variety of factors - your level of risk, your coverage and more. The insurance premium tax is charged on this. Sometimes it is included in your premium, and sometimes it is charged on top of your premium. These taxes are subject to change, and vary from country to country.


Value-added tax (VAT) is a consumption tax on goods and services. Generally, this is not applied to health insurance. However in some countries, such as Bahrain, Saudi Arabia and United Arab Emirates, VAT does apply to health insurance products.

Stamp Duty

Stamp duty is an annual levy. The liability for stamp duty on insurance rests with the insurer as opposed to the policy holder.

What about extra fees for my country?

There are some countries who have specific fee's or exemptions across all policies within their country. For example, Cyprus charge a €2 fee when you take out a health insurance policy, as a one time charge.

Kota will show you the tax you pay separately from your premium on the Kota app.

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