Hearing aids and insurance

Hearing aids are an important investment in your health and while they represent great value for money in terms of the changes they make to your life, the initial outlay can seem expensive. You may think you can claim the cost of hearing aids on your health insurance, but that’s not always the case.

Do all health insurers cover the cost of hearing aids?

Not all health insurers will cover the cost of hearing aids, so it’s important to check your coverage. Generally speaking, only policies with a high level of extras cover hearing devices.

What should I look for when choosing an insurer?

  • Firstly, look at the cover for extras to make sure hearing aids are included.
  • Check how much money you’re likely to get back. You’ll find many insurers have a set amount they pay out for hearing aids as the cost varies widely.
  • Be conscious of waiting periods.
  • Find out whether the payment is a one-off or regular. For example, while some insurers will only make one payment, others will cover new devices every five years.

Where can I easily compare the covers of different health insurers?

It can be confusing trying to understand covers and costs from various sources, but there are many websites set up that make it easy to compare them all in the one place, such as the government website  www.privatehealth.gov.au

What about damage to hearing aids? Is that covered?

Some health insurers will cover damage to hearing aids. Alternatively, you may be able to claim on your home and contents insurance, so it’s worth checking with your provider. And if you’re off on holiday, you should find out if your travel insurance will cover any damage that may happen while you’re away.

Is there any other financial assistance available?

  • Some people can receive financial assistance from the government through the Australian Government Hearing Services ProgramClick here to find out if you’re eligible.
  • People who are eligible for the National Disability Insurance Scheme may receive financial support for hearing aids. Visit ndis.gov.au for more information.
  • If you’re not eligible for financial assistance, you may be able to have a hearing aid fitted at a reduced cost through a hearing aid bankClick here to find out more.