Health Insurance Hearing Aid

Does health insurance cover hearing aids?

Compare hearing aid and audiology benefits offered by Australian insurers.

An unfortunate fact of life is that as we get older our bodies start to let us down, with loss of hearing being a common ailment. Private health insurance and Medicare both provide some level of cover for audiology and hearing aid costs. Some of the main costs associated with hearing issues include:

  • Hearing aids. Hearing aids are devices that restore or improve your ability to hear.
  • Audiology. Audiology is how conditions are diagnosed and assessed on an ongoing basis.

Keep reading to find out how private health insurance covers hearing aids and what other policy benefits are included.

Which Australian health funds include cover for hearing aids?

Health fundExtras policies and annual benefit limits*Waiting periods
HIF health insurance
    • Premium Options. $600 per person 
  • Super Options.  $500 per person 
  • 36 months
health.com.au health insurance
    • High 85%. $500 per person
  • High 75%. $400 per person 
  • High 65%. $300 per person 
  • 12 months
Health Care Insurance
  • Premier Extras. $3,320 per person 
  • 24 months
CBHS Health Fund
  • 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
  • Platinum 80% Extras. $600 per person 
  • Gold Extras. $550 per person 
  • 12 months
GMHBA health insurance
  • Gold Extras. $1,500 per person 
  • Silver Extras. $1,200 per person 
  • 12 months
HCF health insurance
  • Platinum Extras. $800 per person 
  • Gold Extras. $600 per person 
  • 24 months
nib health insurance
  • Top Extras. $1,200 per person 
  • Core Young At Heart Extras. $500 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
  • Platinum 80% Extras. $600 per person 
  • Gold Extras. $550 per person 
  • 12 months
Budget Direct
  • Established Family Package. $600 per person 
  • Family Value Package. $600 per person 
  • New Family Package. $600 per person 
  • Freedom Package. $400 per person
  • 12 months
Bupa
  • Platinum Extras. $1,200 per person 
  • Gold Extras. $1,000 per person 
  • Silver Extras. $800 per person 
  • 12 months
Cessnock District Health Fund
  • Gold Extras. $750 per person 
  • Silver Extras. $750 per person 
  • 36 months
CUA Health
  • Total Extras. $800 per person 
  • Classic Extras. $600 per person 
  • 12 months
GMF
  • Complete Extras. $860 per person 
  • Mid Extras. $750 per person 
  • 24 months
GMHBA
  • Gold Extras. $1,500 per person 
  • Silver Extras. $1,200 per person 
  • 12 months
HBF
  • Flexi Extras Plus. $1,000 per person
  • Flexi Extras Mid. $800 per person 
  • Flexi Extras. $600 per person 
  • 12 months
HCF
  • Platinum Extras. $800 per person 
  • Gold Extras. $600 per person 
  • 24 months
Health Care Insurance
  • Premier Extras. $3,320 per person 
  • 24 months
health.com.au
    • High 85%. $500 per person
  • High 75%. $400 per person 
  • High 65%. $300 per person 
  • 12 months
hif
    • Premium Options. $600 per person 
  • Super Options.  $500 per person 
  • 36 months
Latrobe Health Services
  • Premier Gold, Family Care Gold. $1,000 per person 
  • Premier Silver. $650 per person 
  • Premier, Premier Plus. $500 per person 
  • 12 months
Medibank
  • Top Extras. $400 per person 
  • 36 months
Mildura Health Fund
  • Five Star Extras. $1,000 per person 
  • Ancillary Plus. $700 per person 
  • Basic Ancillary. $450 per person 
  • 36 months
nib
  • Top Extras. $1,200 per person 
  • Core Young At Heart Extras. $500 per person 
  • 36 months
onemedifund
  • Extras Plus. $1,500 per person 
  • 24 months
Peoplecare
  • Premium Extras. $1,500 per person 
  • High Extras. $1,000 per person 
  • 24 months
Phoenix Health Fund
  • Top Extras. $900 per person
  • 12 months
Transport Health
  • Top Extras. $1,000 per person 
  • 24 months
Westfund
  • Platinum Extras. $1,000 per person
  • Gold Extras. $800 
  • 60 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
  • SureCover Extras. $1,200 per person
  • 12 months
Reserve Bank Health Society
  • Restricted health fund
  • Extras Cover. $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. $300 per person
  • 12 months
TUH
  • Restricted health fund 
  • Comprehensive Extras. $200 per person 
  • 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.

Contact an adviser for a quote or health insurance assistance

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.

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.

Compare policies currently available and request a quote from an adviser

Details Features
Active Life Extras
Active Life Extras
Straightforward extras that covers you for vital out of hospital services while keeping premiums low. Treatments include general dental and optical, as well as healthy lifestyle benefits.
  • $500 general and major dental combined limit
  • $400 chiro and osteo annual limit
  • $400 physio annual limit
  • $400 alternate therapies annual limit
Get Quote More info
Extras 50
Extras 50
With the Extras 50 policy health.com.au will pay 50% of the provider's fee.
  • From $10.58 weekly
  • 50% back on extras
  • Unlimited emergency ambulance transport cover
  • $500 general dental limit
Enquire Now More info
Super
Super
Super Extras is the highest level of extras cover available from AHM and provides cover for services ranging from major dental to diet and nutrition to health improvement benefits.
  • No family limits
  • Orthodontics
  • Outpatient care
  • Pre and postnatal
Enquire Now More info
Premium Options
Premium Options
Premium extras cover for all everyday healthcare services. Save 4% when you pay for 12 months of your cover upfront.
  • Dental and chiropractic cover
  • Osteopathy and optical
  • Occupational therapy
  • Orthoptic
Get Quote More info
Platinum 80%
Platinum 80%
Platinum 80% provides you with 80% back on all included extras.
  • Claim up to $8500 on extras
  • General, complex and major dental and orthodontics
  • Pharmacy
  • Travel vaccinations
Enquire Now More info
Top Extras
Top Extras
Comprehensive extras cover that includes a wide range of non-hospital related treatments and services. Restricted fund: Only current and former employees of the Commonwealth Bank of Australia Group and their eligible families can join.
  • Generous overall limits on services
  • Major dental including orthodontics
  • Unlimited preventative dental
  • Hearing aids
Enquire Now More info
Gold Extras Set Benefits
Gold Extras Set Benefits
Top level extras cover including cover for a wide range of popular services including orthodontics, physiotherapy and optical.
  • Podiatry
  • Nursing
  • Pressure garments
  • Weight loss program
Enquire Now More info
Platinum Extras Cover
Platinum Extras Cover
Top level extras cover with highes range of cover for therapies and serivces.
  • 100% back on up to 2 dental visits per year
  • 100% back on initial chiro, physio, osteo
  • General therapies cover
  • Vaccinations and immunisations cover
Enquire Now More info
Top Extras
Top Extras
NIB's premier extras cover with up to $1,000 in General dental covered annually and cover for a range of therapies including Chiro & Osteo.
  • $1,000 general dental cover annual limit
  • $600 physiotherapy annual limit
  • Unlimited ambulance cover
  • $350 optical annual limit
Enquire Now More info
Top Extras
Top Extras
Top level extras cover with highest percentage back.
  • 60 - 100% back
  • $800 dental annual limit per person
  • $850 physiotherapy annual limit per person
  • $300 optical annual limit per person
Enquire Now More info
Back to topPicture: Shutterstock

Andrew Munro

Andrew writes for finder.com.au, comparing products, writing guides, sniffing out deals and looking for new ways to help people get the most out of their money.

Was this content helpful to you? No  Yes

Related Posts

Ask a Question

You are about to post a question on finder.com.au

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Disclaimer: At finder.com.au we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to the finder.com.au privacy policy, receive follow up emails related to finder.com.au and to create a user account where further replies to your questions will be sent.

Ask a question
feedback