Hearing aid contents insurance: what is and isn't covered?
A hearing aid is an indispensable tool in everyday life. You use it daily as a technological aid to help you hear better. If your hearing aid breaks down, your home contents insurance will cover it in many cases, although exceptions or restrictions may apply depending on the policy conditions.
When is your hearing aid covered by insurance?
A hearing aid is insured as soon as you have home contents insurance. This is because it is a portable object that you can easily take with you and is therefore not attached to the house. With home contents insurance, you are automatically insured for damage caused by, for example, fire, smoke, water damage, or burglary, as long as this occurs indoors. Many insurers cover these types of damage within the basic coverage of the policy.
What else does contents insurance cover?
Home contents insurance covers damage to items in your home that are not attached to the building. In addition to hearing aids, other loose items and other possessions, such as furniture, clothing, books, art, and kitchen utensils, are also covered by contents insurance. Do you want to insure damage to fixed parts of your home, such as pipes or the roof? Then you need building insurance. This way, the rest of your home is also insured against unexpected damage.
Overview: Is damage to your hearing aid covered?
Fire or smoke damage
Yes, only if caused or originated indoors
Water damage
Yes, think of leaks or flooding.
Burglary or theft at home
Yes, provided there are signs of forced entry.
Fall or impact damage
No, often only with additional coverage.
Theft outside the home
No, requires additional outdoor insurance
Damage in the garden
Sometimes, depending on policy conditions.
For the types of damage mentioned above, supplementary insurance may be required in some cases in order to be fully insured against specific types of damage.
When do you need supplementary insurance or continuous travel insurance?
There is no special hearing aid insurance; hearing aids are generally covered by home contents insurance. However, basic coverage usually only covers damage within the home. Do you also use your hearing aid outside the home? If so, additional insurance is often advisable. You will probably need to take out a supplementary policy.
Many insurers offer additional insurance for this in the form of outdoor coverage. This coverage provides protection against damage, loss, or theft outside the home, for example while traveling or during a day out. In many cases, irreparable damage caused by accidents is also covered.
Continuous travel insurance with luggage coverage can once again offer a solution if your hearing aid is damaged or stolen while on vacation. This insurance is particularly useful for those who travel regularly.
Calculate the premium for comprehensive home contents insurance right away!
Want to make sure your hearing aid is properly insured? You can insure your hearing aid by taking outhome contents insurance. You can take out home contents insurance quickly and easily with Alpina. Calculate your premium now: no strings attached and no obligations.
Frequently asked questions about hearing aid contents insurance
Is my hearing aid covered by my home contents insurance?
Yes, a hearing aid is considered household contents and is therefore covered by insurance for damage inside the home, such as fire or burglary. Just like other items in your home, your hearing aid is covered as long as you have household contents insurance.
What about theft outside the home?
Theft of your hearing aid outside your home is not covered by standard home contents insurance. You will need outdoor coverage for this, or you will need to look into other types of insurance, such as travel insurance with luggage coverage.
What should I do if my hearing aid is damaged?
Report the damage to your insurer immediately and keep your receipts and photos handy. The insurer will then assess your claim.
Do I need separate insurance for my hearing aid?
Not always. Your hearing aid is usually covered indoors as long as your household contents are insured. For comprehensive coverage outside the home, a supplementary policy is recommended.
In addition, you can opt for valuables insurance, which is intended for valuable possessions such as jewelry, but this is usually not necessary for a hearing aid.
What will I be reimbursed for damage to a hearing aid through my home contents insurance?
If your hearing aid is damaged, you can claim compensation through your home contents insurance in accordance with the terms and conditions of your policy and the amount for which you have insured your contents. In addition, not all home contents insurance policies automatically reimburse the full replacement value of your device.
Some insurers apply a maximum amount for damage to property or apply a depreciation rule, whereby the payout is based on the current market value of the product. The deductible varies per insurer and is usually between €100 and €250.
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