Expense Optimisation for Medical Professionals
Efficient Taxation
As a medical professional, your time is focused on patients, not paperwork. But every year, doctors, dentists, locums and other healthcare specialists miss out on valuable tax relief because they aren’t fully aware of what expenses they can legitimately claim.
At Kumar Associates, we specialise in working with healthcare professionals to ensure your finances are structured efficiently, your expenses are maximised, and your tax bill is minimised — all while staying fully compliant with HMRC rules.
Why Expense Optimisation Matters in Medicine
Complex Income Sources – Many clinicians have mixed NHS and private income, or multiple employments. The rules for claiming expenses differ depending on how you work.
Unique Costs in Healthcare – From indemnity insurance to CPD courses, medical professionals face costs that general accountants often overlook.
Busy Schedules – With the pressure of long hours and irregular work patterns, it’s easy to let expense claims slip through the cracks.
What Expenses Can You Claim?
Some common areas where we help our medical clients save include:
Professional Costs
Medical indemnity insurance
GMC/GDC and other registration fees
Union and professional subscriptions
CPD and training costs
Work-Related Travel
Mileage between sites and hospitals (excluding ordinary commuting)
Parking, public transport, and business-related journeys
Overnight accommodation when on locum/consultant placements
Home & Office Costs
Use of home for admin and teleconsultations
Office equipment, IT, and specialist software
Proportional utilities where appropriate
Practice & Clinic Costs
Staff salaries and contractors
Medical equipment and consumables
Leasing or purchasing vehicles (including EV tax benefits)
How We Work With You
Initial Review – We’ll sit down and map out your work pattern, contracts, and current expense claims.
Optimisation Plan – Identify missed reliefs and structure your claims for maximum efficiency.
Ongoing Support – We’ll keep your records in line with HMRC guidance and update you as rules change, so you never miss a saving.
Why Choose Kumar Associates?
Specialist medical focus – We’ve worked with hundreds of doctors, dentists and clinicians across the UK.
Up-to-date knowledge – NHS rules, tax allowances and HMRC guidance evolve constantly — we stay ahead, so you don’t have to.
Clarity & Transparency – We explain everything in plain English and agree fixed fees up front.
Accounting Services
Take a look at some of our most popular accounting services.
Accounting & Book-keeping
We can prepare your annual accounts, whether you are a sole trader, in a partnership or running a company.
NHS Pension Advice & Planning
We have a dedicated payroll & pension team who provide an efficient and cost effective service.
R&D Medical Innovation Tax Relief
Our in-house R&D tax experts will guide you through the process of claiming tax relief for your innovative projects.
Expense Optimisation
Our team provide objective reviews of your finances, helping ensure compliance and peace of mind for stakeholders.
- Practice Accounts & Benchmarking
- Locum & Consultant Tax Planning
- Practice Structuring & Partnerships
- Payroll & CIS-Style Contractor Management
- NHS/PCN Cash Flow & Funding Advice
- Taxation Services
- Company Secretarial Services
- Business Start Up
- Consultancy & Systems Advice
- Investments & Pensions
- Management Accounting & Finance Support
- Finance Function
- Virtual Finance Director
- Company Sales and Acquisitions
- M&A Due Diligence Services
- Restructuring & Insolvency
Book Your Free Medical Financial & Tax Health Check today
Is your GP practice, dental surgery, pharmacy, or private clinic turning over £250,000 or more? At Kumar Associates, specialist medical accountants, we’re offering a complimentary financial and tax health check designed specifically for healthcare professionals.
During your no-obligation consultation, we’ll review your accounts and highlight:
- Potential tax savings for doctors, dentists, locums, and consultants.
- Grants, NHS reimbursements, or funding opportunities that may benefit your practice.
- Strategies to improve practice profitability, manage NHS pension tax charges, and reduce unnecessary expenses.
- Specialist advice on NHS pensions, IR35, VAT in healthcare, and practice structuring.
Think of it as a professional check-up for your finances — just as you look after patients, we look after the financial health of healthcare professionals.
