Does home insurance cover hearing aids?
It sure can. Get hearing aid insurance to cover accidental loss or damage to your hearing aids.
Key takeaways
- Home insurance policies can cover your hearing aids for loss or damage, and some cover accidental damage.
- You can also insure hearing aids when they go outside. You know, on your ears.
- If you already have a home insurance policy, check with your provider as you may already be covered.
Health insurance vs home insurance
This guide is about how to cover your hearing aids after you have bought them. If you're looking for health insurance that covers hearing aids, see our guide here.
Finder survey: What extra features would influence Australians of different ages in choosing a home & contents insurance policy?
| Response | Gen Z | Gen Y | Gen X | Baby Boomers |
|---|---|---|---|---|
| High-value items cover | 10.11% | 22.01% | 21.71% | 19.89% |
| Flood cover | 8.99% | 14.4% | 16.12% | 17.9% |
| None of the above | 7.87% | 14.13% | 16.45% | 26.42% |
| Removal of debris | 7.87% | 13.04% | 13.49% | 26.42% |
| Asbestos removal | 5.62% | 5.43% | 6.58% | 7.1% |
| Temporary accommodation cover | 5.62% | 19.29% | 31.25% | 38.64% |
| Preventative programs | 4.49% | 8.7% | 9.87% | 9.94% |
| Other | 2.25% | 0.82% | 0.66% | 1.99% |
Source: Finder survey by Pure Profile of 1113 Australians, December 2023
Compare policies with hearing aid insurance in Australia
What is hearing aid insurance?
You can't really get hearing aid insurance on its own but you can get home insurance that covers hearing aids. It works like this: you pay a certain amount each month to an insurer and in return, they pay you to replace or repair your home and the belongings inside it if they're lost, stolen or damaged. Your hearing aids can be included in this.
Keep in mind though that home insurance policies can't cover manufacturer defects. However, most hearing aids will come with around a 3 year manufacturer warranty so if it does become faulty, you should still be able to get them replaced.
How can I get hearing aid insurance as part of home insurance?
Here's how you can get hearing aid insurance for loss or damage in Australia
Contents insurance.
Contents insurance looks after all the belongings kept at your house. This can include everything from furniture and carpets to jewellery and hearing aids. If something happens to them, for instance they're lost or damaged because of theft, fire or an accident, contents insurance can pay you to replace or repair your items, including hearing aids.
Home and contents insurance.
With a home and contents insurance policy, your hearing aids would still fall under the 'contents' part of the cover. The home refers to the building itself and can cover you against loss or damage caused by things like fires, storms, earthquakes, impact damage and much more. If you want comprehensive home coverage that also includes hearing aid insurance, this is the ideal policy for you.
How do home insurers cover hearing aids?
We had a look at some product disclosure statements (PDS) and pulled out the important parts. We noticed that hearing aids are usually covered under general contents so not many brands outline specific cover limits for them.
| Brand | Policy type | Limit | Cover for accidental damage | Cover when outside the home |
|---|---|---|---|---|
 | Contents insurance | Up to $1,000 | Optional add-on | Optional add-on |
 | Contents insurance - Premier care | No limit listed | Included | Optional add-on |
 | Contents insurance - Premier care | No limit listed | Included | Optional add-on |
 | Contents insurance | No limit listed | Optional add-on | Optional add-on |
 | Contents insurance | Up to $1,000 | Optional add-on | Optional add-on |
Hearing aid insurance for loss or damage in Australia
Cover for accidental damage
Whether you accidentally drop your hearing aids in a mug of tea or put them through the washing machine, accidents happen. Some home insurance policies will automatically include accidental damage in your cover but for others, you'll need to pay extra. Hearing aids cost a lot, so depending on how accident-prone you are, it might be worth getting.
Cover for portable contents
Standard home and contents insurance policies insure everything kept at the property but if you take an item out, and something happens to it, it won't be covered. The same applies to your hearing aids, unless you get portable contents cover for them. This means they'll be insured against loss and damage when you wear them out and about.
Bottom line
Hearing aids are small and expensive so it makes a lot of sense to look for hearing aid insurance. Luckily, finding coverage is really simple. You can get them covered with certain home and contents insurance providers. Compare those policies below.
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