Hearing aid insurance

Hearing aid insurance: compare from 7 funds starting at $58 a month.

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Both private health insurance and Medicare can help lower audiology and hearing aids costs — but you'll need to meet eligibility requirements if you go through Medicare.

Hearing aid insurance, on the other hand, is available to anyone who takes out extras cover. You'll probably have a waiting period of around 12 months, so start looking now if your hearing is on the decline.

How much is health insurance with cover for hearing aids?

To get you started, these example policies from Finder partners all include rebates for hearing aids. The prices quoted are based on a single in Sydney.

Name Product Hearing aids Annual limit Price Per Month Hide CompareBox Apply
HBF Complete 60
$600
$44.67
Medibank Top Extras 60%
$400
$54.80
ahm family extras
$1,200
$58.25
HCF Vital Extras
$1,600
$58.90
Peoplecare High Extras
$1,000
$91.30
Qantas Top Extras
$1,200
$104.15
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*Quotes are based on single individual with less than $90,000 income and living in Sydney.

Which Australian health funds include cover for hearing aids?

Health fundExtras policies and annual benefit limits*Waiting periods
HIF health insurance
  • Premium Options. $550 per person
  • Super Options. $550 per person
  • 36 months
  • Restricted health fund
  • Top Extras. $1,600 per person
  • 12 months
AHM health insurance
  • Super Extras. $1,600 per person
  • Family Extras. $1,200 per person
  • 12 months
Australian Unity Health Insurance logo
  • Advanced 80% Extras. $600 per person
  • Classic Extras. $550 per person
  • 12 months
GMHBA health fund
  • Top Extras. $1,500 per person
  • Mid Extras 65%. $1,200 per person
  • 12 months
HCF health insurance
  • HCF Top Extras. $1800 per person
  • HCF Vital Extras. $600 per person
  • 12 months
nib health insurance
  • Top Extras. $1,200 per person.
  • 36 months
Transport Health insurance
  • Top Extras. $1,000 per person
  • 24 months

*The policies listed in this table are extras only. However, in most cases these can be combined with hospital cover.

Health fundExtras policies and annual benefit limits*Waiting periods
ahm
  • Super Extras. $1,600 per person
  • Family Extras. $1,200 per person
  • 12 months
Australian Unity
  • Advanced 80% Extras. $600 per person
  • Classic Extras. $550 per person
  • 12 months
Bupa
  • Top Extras. $800 per person
  • 12 months
CUA Health
  • Total Extras. $800 per person
  • Classic Extras. $600 per person
  • 12 months
GMHBA
  • Top Extras. $1,500 per person
  • Mid Extras. $1,200 per person
  • 12 months
HBF
  • Top 70. $700 per person.
  • Complete 60. $600 per person.
  • 12 months
HCF
  • HCF Top Extras. $800 per person
  • HCF Vital Extras. $600 per person
  • 12 months
Health Care Insurance
  • Premier Extras. $3,320 per person
  • 24 months
hif
  • Premium Options. $600 per person
  • Super Options. $550 per person
  • 36 months
Latrobe Health Services
  • Premier Singles & Couples. $500 per person
  • Premier Extras. $1,000 per person
  • Core Extras. $500 per person
  • 12 months
Medibank
  • Top Extras. $400 per person
  • 36 months
Mildura Health Fund
  • Five Star Extras. $1,000 per person
  • Mid Extras. $700 per person
  • Base Ancillary. $450 per person
  • 36 months
nib
  • Top Extras. $1,200 per person.
  • 36 months
onemedifund
  • Gold Hospital - $250 Excess & Comprehensive Extras. $1,500 per person
  • 24 months
Peoplecare
  • Premium Extras. $1,500 per person
  • High Extras. $1,000 per person
  • 24 months
Phoenix Health Fund
  • Complete Extras 70. $2000 per person
  • 12 months
Transport Health
  • Top Extras. $1,000 per person
  • 24 months
Westfund
  • Ultimate Extras. $2,000 per person
  • Advantage Pro. $1,400
  • 36 months
ACA Health
  • Restricted health fund
  • Complete Ancillary. $1,500 per person
  • 12 months
CBHS health fund
  • Restricted health fund
  • Top Extras. $1,600 per person
  • 12 months
Defence Health
  • Restricted health fund
  • Premier Extras. $1,500 per person
  • Value Extras. $1,000 per person
  • 12 months
Doctors Health Fund
  • Restricted health fund
  • Total Extras. $800 per person
  • Essential Extras. $200 per person
  • 24 months
Navy Health
  • Restricted health fund
  • Premium Extras. $1,300 per person
  • Healthy Living Extras. $900 per person
  • 12 months
Police Health
  • Restricted health fund
  • Rolling Extras. $1,200 per person
  • 12 months
Reserve Bank Health Society
  • Restricted health fund
  • Premium Extras. $5,440 per person
  • 12 months
RT Health
  • Restricted health fund
  • Premium Extras. $1,200 per person
  • Smart Extras. $900 per person
  • 24 months
Teachers Health Fund
  • Restricted health fund
  • Top Extras. $1,200 per person
  • 12 months
TUH
  • Restricted health fund
  • Comprehensive Extras. $2,000 per person $1,000/ear
  • 12 months

*The majority of the policies listed in this table are extras only. However, in most cases these can be combined with hospital cover.

Review your options

How does private health insurance cover hearing aids and audiology?

Many private health insurance funds will include hearing aids and audiology on their policies. However, these services are typically only covered by comprehensive extras.

Private health insurance and hearing aids

  • Hearing aids are typically only covered by the highest level extras policies.
  • Policies will typically pay a set cost, rather than cash-back rebates. This is because the cost of hearing aids can vary widely.
  • Private health insurance generally pays out for a single device. However, most funds have a specified limit for how many times you can claim, such as one device every five years.
  • Some health funds offer benefits for repairing damaged hearing aids.

Health insurance benefits for audiology

  • Benefits will either take the form of cash-back offers, where you get a certain percentage of costs paid, typically 60-100%, or set costs such as $35 for each audiology session.
  • Initial audiology consultations and diagnoses usually take longer than subsequent follow-up sessions. As such, set cost policies generally pay more for initial sessions and less for follow-ups.

Should I get private health insurance for hearing aids?

Hearing aids are typically only covered by the more comprehensive and high level extras health insurance policies. This means you will be paying for many benefits in addition to hearing aids, whether you want to or not.

As such, you should not get private health insurance just for hearing aids and audiology. However, you might want to get private health insurance for all the other benefits it offers, on top of audiology and hearing aids.

If you use a hearing aid, then look at how it is covered by private health funds when comparing policies, but remember to look at all the other costs and benefits as well. The level of audiology and hearing aid cover should be an important factor in making your choice, but so too are all the other features included in the policy.

Average amount of hearing aid costs covered by funds

The below table shows the average amount of cost covered toward hearing aids by fund. All figures are taken from extras cover.

Fund name (abbreviated)Hearing aids & audiology
Open membership funds
Australian Unity15.20%
BUPA18.30%
CUA Health34.80%
GMHBA24.70%
GU Corporate17.00%
HBF29.50%
HCF28.10%
HCI40.60%
Health Partners31.30%
HIF29.20%
Latrobe13.80%
MDHF17.30%
Medibank (includes ahm)25.30%
NIB19.00%
Onemedifund23.40%
Peoplecare31.70%
Phoenix42.00%
QCH37.60%
St Lukes45.00%
Transport Health23.40%
Westfund38.10%
Restricted membership funds
ACA40.80%
CBHS35.20%
Defence Health30.50%
Doctors' Health21.60%
Navy Health27.40%
Nurses and Midwives42.90%
Police Health33.90%
Reserve Bank77.20%
RT Health Fund35.10%
Teachers Health34.90%
TUH41.40%

For some funds, the data does not take account of discounts at some providers or fund Dental / Optical centres.
Note: All percentages based on health fund reporting to APRA. 'n/a' signifies no activity and 100 per cent is likely to indicate small numbers (eg. only 1 episode).

Does Medicare cover hearing aids or audiology?

Medicare doesn’t cover any of the costs of a hearing aid device. It will only cover some of the prior surgical procedures required for a specific type of hearing aid (bone conduction) if you are unable to use a conventional hearing aid, but won’t cover the cost of the device itself.

What should I be aware of when comparing health insurance?

When comparing health insurance cover of audiology and hearing aids you should be aware of.

  • Limits. These refer to the maximum amounts that can be claimed. Audiology might have its own limits, or it might share limits with hearing aids or other diagnostic services. Meanwhile, hearing aids usually have their own specific limits, but will in some cases share limits with audiology, or with other implants and devices.
  • Conditions and exclusions. These are conditions and restrictions where health insurance will not pay out. There are typically very few, or no, restrictions surrounding hearing aids. Audiology services, however, will generally need to be provided by a licensed and recognised audiologist and for the fulfilment of clear diagnostic purposes. You typically can’t claim audiology if it is done for the purpose of irregular assessment, such as checking occupational fitness for a job that requires good hearing.
  • Waiting periods. This is how long you must wait between taking out a policy and being able to make a claim. For hearing aids this will typically be 12 months, while audiological waiting periods can vary from a couple of months to a full year, and may even be nonexistent.

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