Health Insurance Premiums Increasing

[craig1912]

bad company said:

I think you’ve got the wrong end of the stick there. Mrs BC hasn’t had any cancer treatment. We’re about to finish our 2 years moratorium without any claims so all conditions should be covered.

ooops- got mixed up with the second poster!

[TwigtheWonderkid]

The Leaper said:

I've never understood why I should pay the tax on the wife's share of the premium though, I've always thought that she should be liable for the tax on her portion, not me, but HMRC/tax legislation disagree.

I'm fighting with HMRC at the moment. I have company healthcare, and I pay BIK on the premium, but the policy has a £1000 excess which I also have to pay. So last year I claimed, and I'm trying to get the tax back on my excess payment, so £400. After all, I pay BIK on the basis of getting fully funded health insurance, but it's not fully funded, as each claim costs me a grand.

They initially said no, I asked for a reason why they said they just didn't really understand the rules and they'd need to refer it to a senior HMRC technician if I wasn't happy with their decision!! Well of course I wasn't happy, they said no because they don't know if yes or no is the correct answer!!

So it got referred. That was 3 months ago and now no one will respond to me.

[craig1912]

You have no chance- you get taxed on the cost of the benefit to the employer (benefit in kind) not on the cost of having “fully funded” healthcare.
Most employer schemes have an excess (although £1000 is a bit steep) and to do what you are asking HMRC to do for all people that claim would be impossible