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Does home insurance cover hearing aids?

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

What you need to know

  • 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.

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
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Our verdict: The most popular insurer on Finder, Budget Direct prioritises low-cost cover and gives you 15% off your first year. You need to pay extra for flood cover and accidental damage.
Youi Contents Insurance
Best Rated Brand
Youi Contents Insurance
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Our verdict: Finder’s 2022 Insurer of the Year for Customer Satisfaction and our Top Pick for Fire Damage cover. It’s good if you want a tailored quote over the phone.
QBE Contents Insurance
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Our verdict: It covers essentials such as fire and theft plus comes with some good perks such as security upgrades after a burglary and up to 10% off your first year.
Honey Contents Insurance
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Our verdict: Honey gives you $250 smart sensors to reduce accidents and estimates the value of your contents. It was also a finalist for the comprehensive category in the Finder Awards.
Australia Post Contents Insurance
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Our verdict: Covers common claims such as fire, storms and water damage. Like most contents policies, you need to pay extra for accidental damage cover.
Kogan Contents Insurance
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Our verdict: Good comprehensive cover (issued by QBE). Also, get a 6% discount off your first year plus $10 ongoing monthly credit. T&Cs apply.
Qantas Contents Insurance
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Our verdict: Earn up to 20,000 Qantas Points with every Qantas Home Insurance policy you take out by 22 April. T&Cs and exclusions apply.
Westpac Contents Insurance
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Our verdict: Provided by Allianz, one of the biggest insurers in Australia. Cover for fire, theft, storm, cyclones and more.
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Finder survey: What extra features would influence Australians of different ages in choosing a home & contents insurance policy?

ResponseGen ZGen YGen XBaby Boomers
High-value items cover10.11%22.01%21.71%19.89%
Flood cover8.99%14.4%16.12%17.9%
None of the above7.87%14.13%16.45%26.42%
Removal of debris7.87%13.04%13.49%26.42%
Asbestos removal5.62%5.43%6.58%7.1%
Temporary accommodation cover5.62%19.29%31.25%38.64%
Preventative programs4.49%8.7%9.87%9.94%
Other2.25%0.82%0.66%1.99%
Source: Finder survey by Pure Profile of 1113 Australians, December 2023

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 blue icon

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

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.

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

wet floor

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.

Luggage

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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