Should I insure my hearing aids?

Hearing aids have become more technologically advanced and more versatile in recent years. You can connect them to your smartphone through Bluetooth and listen to soundtracks, or answer calls on hands-free. They’ve also become a lot smaller and more discrete. The price of a pair of private hearing aids in the UK's today market ranges from £995 to more than £2,995, they are among the most expensive personal items you can own. However, along with needing to replace them every few years, hearing aids are also easily lost or damaged. This may lead you to ask: are hearing aids covered by my insurance?

Can I claim lost hearing aids on my home insurance?

Usually, unless your home insurance specifically excludes medical equipment, your hearing aid should have coverage under the personal property section of your home insurance. As long as the cost of a new hearing aid exceeds your deductible, you should be able to submit a claim to replace it.

Are my hearing aids covered by insurance?

Some insurance providers do cover hearing aids under household or content insurance. They can provide you with an insurance policy for your hearing aids against loss or damage caused by theft, fire and other circumstances e.g. chewed on by your pet. Some providers offer cover for your hearing aids if you take them away with you. Having said that, you may need to add personal possessions policy cover to your policy which will cover you against accidental loss and damage to your hearing aids. Instead of guessing the best is to check your existing insurance coverage by asking your insurer to see what is covered by your policy, the minimum deductibles and other details about the insurance coverage on your hearing aids.

Some hearing aid providers offer insurance coverage, so it’s worth speaking to your hearing care professional for more information.

What to consider when buying an insurance policy for my hearing aids?

If you are looking for a new insurer for your hearing aids, it’s a good idea to check:

  • Whether hearing aids are covered as ‘extras

  • How much money you will get back should you lose your hearing aids? Some insurers have a set amount that they will pay for hearing aids, and some others may provide a 'like' level of hearing aids instead of reimbursing the value of it

  • How long you will have to wait to be reimbursed, or receive replacement hearing aids?

  • Will the payment be a one-off or multiple payments? Some insurance providers will only offer one payment across the entire life of the policy, while others will cover the replacement of your hearing aids once every three, four or five years

  • How will a claim against your hearing aids affect your no-claims discount on your insurance policy?

  • What is the minimum deductible in case of a claim needed to be raised?

  • Do they offer a better rate for your policy if your hearing aid is detectable (most of the hearing aids we provide can be detectable on the screen of your smartphone if/when are lost)

Before you sign with a new insurance provider, make sure you know what coverage is provided for your hearing aids and what happens if you make a claim.

Why some insurance companies are hesitant to insure your hearing aids?

While hearing aids can transform your life and keep you connected with the world around you, insurance providers don’t necessarily view them in the same way. For many insurers, they are considered to be too high a risk to insure. Insurance companies make their money from people paying for insurance policies but never actually making a claim. Some insurance companies may put hearing aids in a high-risk category because by experience they find a high rate of loss due to dementia, memory loss, or other light or severe mental health issues that could impair the wearer of maintaining and keeping hearing aids safe and secure.

Nevertheless, best to call a few insurance providers to explore your options. The one that you have an insurance policy for your house is the best starting point.

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