Hearing Aid Insurance & Refunds
What hearing aid insurance is available to me?
Hearing Aids are a valuable investment both financial and in communication ability. Being small and positioned on active ears they can and do get dislodged on occasion and go missing. Yikes! Yes it’s the bug bear of hearing aid wearers, the fear and anxiety of having such valuable devices getting lost or squashed if they inadvertently fall off. When purchased through a reputable hearing clinic in Australia you will receive at least a 3 year warranty, but this only covers repairs for breakdowns and manufacturer defects. This can be extended to 4 or 5 years but may entail additional costs. As an experienced Audiologist I am routinely asked “Can I insure my hearing aids?” The answer is Yes! Please read on.
We Include 12 Months of Comprehensive Hearing Aid Insurance
Rest Assured! Unlike most online hearing aid providers and big box stores we include a full year of comprehensive hearing aid insurance with any hearing aids we fit and sell. This is critical for first time users who are still learning to put them on correctly and establish careful management practices. There is a $500 excess per device if they need replacement with brand new ones but at least you are only having to pay a smaller portion of the original purchase price.
It is important to understand the conditions in claiming in this first year of insurance.
– You are only allowed to claim once per hearing aid in this 12 month period
– You are required to signs a statutory declaration and have it witnessed.
– You need to provide proof of purchase. It should be easy to obtain another copy of your invoice/receipt from the providing clinic.
– Be an Australian resident.
– You cannot claim hearing aids that are on trial. (i.e. you have not purchased them yet)
Beyond 12 Months of Cover:
Although you receive a year of cover with us, it is also a good idea to insure them with your private health fund. However you must make a point of having them listed as a portable item and have them email or mail you written confirmation that they are listed and to what value they are covered for.
During any appointment we can discuss the best options of hearing aid insurance so you can wear your hearing aids with confidence in all those environments where they’ll benefit you most.
Hearing Aids Under House & Contents Insurance
Hearing Aids placed under basic house and contents are only protected against damage or loss due to fire, flood, theft and below a certain value. You will need to upgrade your level of contents insurance to actually cover accidental loss or damage. In doing so ensure your receive written confirmation that your hearing aids are listed as insured Items. Standard
To insure against loss occurring outside the home you will need to specify the hearing aids are portable content. There will be an excess up to $300. Some insurers allow this portability for continuous number of days and cover you even when you are outside Australia. Therefore you don’t have to double up and have them covered under your travel insurance.
In my 15 + years working as an Audiologist I have seen people lose and damage their hearing aids beyond repair (DBR) in numerous and novel ways including:
– Thrown out in the trash whilst wrapped in tissues when taken off.
– Eaten by pet dogs and the odd cat playing with it like a mouse. Apparently dogs like the taste of ear wax.
– Accidentally flushed down toilets.
-Lost in the garden, even mowed over.
– Lately when removing face masks being flicked off by the elastics.
– hearing aids left in pockets of clothing put through the washing machine.
Upgrade your Home Contents Policy to Cover Hearing Aids
To ensure your hearing aids are insured along with other valuable home contents you will need to allocate them as specified contents. This will enable you to list them for a nominated amount.
You also have to include them under portable contents, which can also be called personal valuables cover. By dong this you ensure you are covered for loss, damage or theft outside the home. Always check the fine print as every insurance company is different.
You also need to make sure they are covered for accidental loss or damage as this is usually an extra add on and can be limited to Premium policies. Finally it is also possible to have them covered new for old replacement of original purchase value. For example if your hearing aids were over 3 years old when lost they could be replaced with new generation devices of equivalent value which can further improve your hearing ability.
To Summarise here are the main facets to ensuring your hearing aids are insured:
1. Allocate them as specified contents (Itemised with specified dollar amount)
2. Ensure listed as portable Items.
3. Ensure covered for accidental loss or damage.
4. Cover new for old of equivalent to original purchase value.
Private Health Refunds.
As independent Perth owned and operated hearing clinics we are registered with almost all Australian health insurance companies. So we will provide you with a receipt that contains the necessary codes to also claim any refunds on your hearing aid purchase you may be entitled to. Some companies such as Bupa Health Insurance require that we send your hearing test results together with details of your hearing aid purchase and the claiming codes and we happily facilitate this.
Private Health Insurance funds we are registered with include:
HBP, Bupa, Medibank Private, RAC, Australian Unity, Teachers Health Fund, Police and Nurses, NIB, Defence Health, AHM and more.
You may be eligible for a rebate for your hearing aids, Audiology consultations, batteries and accessories from:
Private health insurance – please check with your fund
– Tax offset
– Commonwealth Hearing Services Program – Pensioners & Veterans
– Entitlements & Rebates
The private health benefits below should be used as a guide only. Funds may impose additional restrictions and limitations. We strongly recommend that you first confirm your individual benefit with your fund.
Medibank Private Health Insurance
|Plan||Hearing Aid Rebate||Qualifying||Replacement|
|Family Cover||$1,600||3 years||5 years|
Bupa Health Insurance
|Every 3 years|
|Platinum Extras||Hearing aid rebate up to $1,200|
|Gold Extras||Hearing aid rebate up to $1,000|
|Silver Extras||Hearing aid rebate up to $800|
NIB Health Insurance
|Every 5 years|
|Top Cover||Hearing aid rebate up to $800 (up to 75%)|
|Family Plus||Hearing aid rebate up to $400|
|Extras Only||Hearing aid rebate up to $400|
Australian Unity Health Insurance
|Every 3 years|
|Starter 60% (with Health Boost)||Hearing aid rebate up to $300|
|Comprehensive Extras||Hearing aid rebate up to $550|
|Platinum 80%||Hearing aid rebate up to $600|
Discounts For Seniors
If you hold a Seniors Card, we are delighted to offer you further discounts on the latest hearing aids. If you hold both a Pension Card and a Seniors Card, you could combine the discounts for an even better price.
Medical Expense Tax Offset
The ATO recently changed the rules relating to the Medical Expense Tax Offset. The offset is now means tested and being phased out in the next few years. For more detail, please see ATO website