Does Medical Insurance Cover Hearing Aids?

The number of people who require hearing aids continues to grow because of natural ageing and health complications. While there are many treatments available, hearing aids continue to be a popular option. But are they covered under health insurance?

Read More

Get ₹5 Lac Health Insurance starts @ ₹200/month*
Tax Benefitup to Rs.75,000
Save up to 12.5%* on 2 Year Payment Plans
7 Lakh+ Happy Customers

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Get insured from the comfort of your home No medicals required
I am a

My name is

My number is

By clicking on ‘View Plans’ you, agreed to our Privacy Policy and Terms of use
Close
Back
I am a

My name is

My number is

Select Age

City Living in

    Popular Cities

    Do you have an existing illness or medical history?

    This helps us find plans that cover your condition and avoid claim rejection

    Get updates on WhatsApp

    What is your existing illness?

    Select all that apply

    When did you recover from Covid-19?

    Some plans are available only after a certain time

    What are Hearing Aids?

    Hearing aids are electronic devices that help those suffering from bad hearing. This device can be worn either inside or behind the ear, depending on the design and needs of the patient. The device typically consists of a microphone, an amplifier, and a receiver that help improve one's hearing.

    When are Hearing Aids Required?

    Hearing aids are useful for people who have inner ear damage resulting in hearing loss. This damage can be congenital, due to diseases, accidents, exposure to loud noises, ageing, or a side effect of certain medications. The problems can be with the eardrums, ear canal, or the middle ear.

    Not all patients can benefit from hearing aid as there are several reasons for deafness. This can be easily assessed by an ENT (ear, nose & throat) specialist after which you can get hearing aid(s) that suit your needs best.

    Is Ear Machine Covered by Insurance?

    Usually, ear machines for hearing are not covered by most health insurance plans. Most plans include these costs under their general exclusions among other wearable medical equipment such as spectacles, contact lenses etc.

    However, some health insurance plans also offer coverage for hearing aids if they are required as a consequence of a covered disease or accident. In case an insured person experiences hearing loss due to an accident or a covered illness, then they may be able to get reimbursement as per their policy terms.

    What’s more, several health insurance companies in India are realising the financial burden these aids can put on people. Some insurers now offer coverage for hearing aids under optional covers or overall health plans. These optional covers can be bought at an additional price along with their regular plans.

    How Expensive Are Hearing Aids in India?

    Hearing aids can cost anywhere from Rs. 10,000 and even cost up to 15 lakhs in some scenarios. This will depend on the extent of hearing loss in a person, their age, if they need it only in one ear or both, type of device, etc.

    According to WHO, nearly 3 million Indian children suffer from deafness. Over 20,000 children get diagnosed with deafness of varying degrees every year but a very small fraction of this number can afford ear machines.

    While hearing aids have been in India since 1990, the number of people to afford these aids remains low because of their high cost.

    Cover for Hearing Aid

    Many health insurance plans offer coverage for hearing aids with varying benefits, ranging from 50% reimbursement or subject to a maximum amount as per the policy. The insured person can file for the claim if they are prescribed by a network ENT specialist.

    Ear machines are not only expensive but also susceptible to wear and tear or total breakdown. People can prepare for these eventual expenses by opting for insurance for hearing aids. It will help them stay covered for financial costs incurred due to repairs and the replacement of their devices.

    Depending on the insurer, the device can be covered for financial expenses caused by theft, accidental damage, or breakdown. However, make sure to thoroughly check the coverage and deductibles under these plans.

    Another thing to remember is the availability of this coverage, as some plans require you to complete a certain duration before this option is available to them.

    Wrapping it Up,

    Hearing loss hampers a person’s ability to function normally, especially in extreme cases. It can make even everyday tasks difficult and deter them from living a fulfilling life. Access to suitable ear machines becomes all the more important for these people. If you have elder people to take care of, don’t forget to buy a comprehensive health insurance plan that covers hearing aids. It will help you save significantly in the future.

    Search
    Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

    Health insurance articles

    Recent Articles
    Popular Articles
    Does Health Insurance Cover Brain Tumour?

    17 May 2022

    The brain is one of the most important organs in your body. It is...
    Read more
    12 Tips to Avoid Common Health Problems During Summers

    12 May 2022

    India experiences a hot and dry summer season that lasts for up to...
    Read more
    Are Accidental Injuries Covered by Health Insurance in India?

    12 May 2022

    Accidents are unpredictable. Getting injured in an accident not...
    Read more
    6 Most Effective Ways to Prevent Viral Fever

    12 May 2022

    A change in weather can bring respite from the scorching summer...
    Read more
    Does Health Insurance Cover Death?

    06 May 2022

    Life is unpredictable and so is death. A lot of people lose their...
    Read more
    PMJAY Scheme: Ayushman Bharat Yojana Eligibility & Registration Online
    Prime Minister Shri Narendra Modi announced the launch of (PMJAY) Ayushman Bharat Yojana in his Independence...
    Read more
    Best Health Insurance Plans in India 2022
    Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
    Read more
    Best Maternity Insurance Plans
    Maternity insurance offers comprehensive coverage for medical expenses incurred during pregnancy, including the cost...
    Read more
    Best Health Insurance Plans for Senior Citizens in 2022
    Considering the increase in medical inflation in India, buying adequate health insurance for your loved ones has...
    Read more
    10 Major Benefits of Ayushman Bharat Yojana
    Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi...
    Read more
    top
    Close
    Download the Policybazaar app
    to manage all your insurance needs.
    INSTALL