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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
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
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 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.
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.
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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FAQ
A senior home insurance policy will generally cover your hearing aids in the contents portion, but that’s the same in with all home insurance policies.
If you want additional cover for things like accidental loss or damage outside of the home, or your hearing aids are of higher value, it’s a good idea to add on extra cover for these.
Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, news.com.au, The Telegraph, Explore Travel and Escape. Gary holds a Kaplan Tier 1 General Insurance (General Advice) certification and a Kaplan Tier 1 Generic Knowledge certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).
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