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How to protect your hearing devices

Purchasing hearing aids is a valuable investment in your quality of life—but like any high-cost medical device, it's important to protect them. Whether you're worried about loss, theft, or accidental damage, hearing aid insurance can offer reassurance and financial support. In Australia, insurance options vary based on provider and policy type, so understanding your choices is key to finding the best hearing aid insurance coverage for your needs.

Hearing Aids and Insurance: What are your options?

Many Australians wonder: “Are hearing aids covered by insurance?” The answer depends on the type of insurance you hold. Hearing aids may be covered under:

  • Private health insurance extras
  • Home and contents insurance
  • Specialist hearing aid insurance policies

Each option comes with different levels of coverage, limitations and costs.

Does private health insurance cover hearing aids?

Private health insurance can offer partial reimbursement for hearing aids, but only if your plan includes extras cover. Coverage varies between funds and policies, but typically:

  • Mid-to-top-tier extras may offer up to several hundred dollars in rebates
  • A 12-month waiting period is often required
  • You must purchase your devices through an approved provider

So, while hearing aids and insurance do go hand in hand, it’s essential to read your policy carefully and compare benefits.

Hearing aids insurance in Australia: Key Considerations

When evaluating hearing aids insurance in Australia, keep in mind:

  • Coverage limits: Some policies only cover specific brands or device values
  • Eligibility: Age of the hearing aid and user may affect coverage
  • Claim process: Some insurers require a medical report or police statement (in case of theft or loss)
  • Annual limits: Check how often you can claim within a policy period

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Are there differences in insurance for types of hearing aids?

Yes, the type of hearing aid you have can affect your insurance options and coverage. Different hearing aids vary in price, durability, and replacement cost, which insurers take into account.

Key differences include:

  • Behind-the-ear (BTE) hearing aids: Generally larger and more robust, these devices often have standard insurance coverage options and replacement costs.
  • In-the-ear (ITE) hearing aids: These can be more fragile and costly to repair or replace, potentially requiring specialised insurance coverage.
  • Receiver-in-canal (RIC) and invisible-in-canal (IIC) hearing aids: Smaller and more discreet, these may be more susceptible to loss or damage, making insurance coverage particularly important.
  • Rechargeable vs battery-powered devices: Rechargeable hearing aids may have different warranty or insurance considerations due to their battery systems.

Because of these variations, it’s important to discuss with your hearing care provider and insurer what type of insurance best suits your specific hearing aid model.

Cost of hearing aid insurance

The cost of hearing aid insurance depends on the device value, coverage level, and provider. In general:

  • Home insurance add-ons may cost between $50–$150/year
  • Specialist insurance policies may have higher premiums but offer broader protection
  • Excess fees might apply when making a claim

While not every policy is cheap, it’s worth comparing the cost of hearing aid insurance against the price of replacing your devices without cover—which can be thousands of dollars.

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Hearing aid insurance for loss, damage or replacement

Loss, accidental damage, or wear and tear can happen unexpectedly. If your hearing aid becomes unusable, having a policy that includes hearing aid replacement insurance ensures you won’t be left without essential support.

This type of insurance typically covers:

  • Full or partial reimbursement for a new hearing aid
  • Like-for-like replacement of your device
  • Fast claims processing through approved providers

Hearing aid replacement may be included in specialist insurance plans, extended warranties, or as part of your home and contents insurance if specified. It’s important to review your policy carefully to understand the extent of your coverage, especially for replacement due to loss or irreparable damage.

Amplifon Hearing Aid Insurance

If you're an Amplifon customer, you may be eligible for Amplifon hearing aid insurance. This optional service is designed to provide:

  • Extended warranty and protection
  • Replacement in case of loss or irreparable damage
  • Simplified claims through your hearing care provider

Ask your local Amplifon clinic about insurance options available with your hearing aid purchase.

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FAQs on hearing aid insurance

Can I insure my hearing aids?

Yes, you can insure your hearing aids either through a dedicated hearing aid insurance policy or by adding them as specified items to your home and contents insurance. This protects against loss, theft, and damage.

Can you claim hearing aids on private health insurance?

Yes, private health insurance in Australia often provides some cover for hearing aids through extras policies. Make sure to check your annual limits, approved providers, and any waiting periods.

Are hearing aids covered by health insurance?

They can be—if you have extras cover with a private health insurer. Basic policies generally do not include hearing aids.

Are hearing aids covered by home insurance?

Only if they are listed as specified portable items. Standard contents insurance usually does not cover them for accidental loss or damage outside the home.

Are hearing aids covered by private health insurance?

Yes, many private health insurance funds include hearing aids under extras cover, but the amount reimbursed varies significantly between policies.

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