Does home insurance cover hearing aids?

They sure can. Get hearing aid insurance to cover accidental loss or damage to your hearing aids.

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If you want hearing aid insurance, lots of home insurance policies will cover your hearing aids for loss or damage, and some even automatically cover accidental damage. You can also insure them when they're outside the home.

If you already have a home insurance policy, check with your provider as you may already be covered. Otherwise, compare from the home insurance policies below — they all include hearing aid insurance coverage.

Compare policies with hearing aid insurance in Australia

Name Product Hearing Aids Home Contents Cover Fire, Storm & Theft Damage Portable Contents Cover Accidental Damage to Home or Belongings Online Discount
Budget Direct Contents Insurance
Optional
20% of your contents sum insured
Optional
Get 15% off your first year's premium when you buy a Budget Direct Contents insurance policy online. T&Cs apply.
Virgin Contents Only
Optional
20% of your contents sum insured
Optional
Save 15% on your first year’s premium when you buy a new eligible Virgin Contents Insurance policy online. T&Cs apply.
Westpac Contents Insurance
Get 15% off the first year of your policy when you buy online. Use promocode: COVER. T&Cs apply.
QBE Contents Insurance
Optional
Optional
Save 10% on your first years’ premium with QBE Contents only Insurance.
Qantas Contents Insurance
Optional
Optional
Optional
Earn up to 20,000 Qantas Points when you apply. Points awarded will be based on your premium. T&Cs & exclusions apply.
Domain Contents Insurance
Optional
Up to specified Value
Get 15% off your first year's premium when you purchase a new Domain Contents Insurance policy online. T&Cs apply.
Youi Contents Insurance
20% of your contents sum insured
Optional
Seniors Top Contents Insurance
Optional
Optional
Buy online and save up to 20% on a new contents insurance policy. T&Cs apply.
Real Top Contents Insurance
Optional
Optional
Save up to 10% when you purchase cover online.
St. George Contents Insurance
Save 15% on the first year of your policy when you buy online. Use promocode: COVER. T&Cs apply.
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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.

List

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.

Shield

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.

Have you come to the right place?

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.

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.

BrandPolicy typeLimitCover for accidental damageCover when outside the home
Budget Direct LogoContents insuranceUp to $1,000Optional add-onOptional add-on
Picture not describedContents insurance - Premier careNo limit listedIncludedOptional add-on
St. george logoContents insurance - Premier careNo limit listedIncludedOptional add-on
Picture not describedContents insuranceNo limit listedOptional add-onOptional add-on
Picture not describedVirgin Money Income ProtectionContents insuranceUp to $1,000Optional add-onOptional 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.

Compare policies for hearing aid insurance

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