Health Insurance for Hearing Aids
  • What are hearing aids?
  • Health insurance plans for hearing aids
  • Cost of hearing aids
Medical Insurance for Hearing Aids
Buy Policy in just 2 mins

Buy Policy in just 2 mins

Happy Customers

2 lakh + Happy Customers

Free Comparison

Free Comparison

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

Does Hearing Aids Covered by Health Insurance?

Doesn't it feel irritating when someone speaks too slowly, and you are not able to hear them? Yes, right? Imagine, this is the life of some people. Yes, some people cannot hear at all and some people can hear partially but not properly.

But you can safeguard yourself from this problem by having health insurance for hearing aids. Nowadays, many big names in the insurance sector come out with all-inclusive health plans that cover hearing aids. But before delving into health insurance, let us first understand some important definitions.

You might be thinking what are hearing aids, have a look below.

What are Hearing Aids?

Hearing trouble can really affect anyone's life. It can make it hard to talk to people, listen to favourite music, or even hear nature's beautiful tunes. To solve this problem, a small device has been invented. These small devices are called hearing aids, which are electronic tools that can be fitted into the ear to make hearing and communication easier. It can help you get back to normal life easily.

However, hearing aids can be expensive, especially if you choose the most advanced aids. But, having health insurance for hearing aids can help you by covering the cost of these devices and offer you a better, and more audible life.

Understand the requirements of hearing aids below.

When do you Require Hearing Aids?

Hearing aids are required for those who have a certain degree of hearing loss. However, it can be beneficial for the people who experience:

  • Difficulty in understanding the conversation, especially in the loud and noisy environment.
  • Frequent requests for the speaker to repeat themselves. Indeed, it is a tiring and embarrassing task.
  • Difficulty in hearing the television or radio at a normal volume.
  • Straining to the head or feeling fatigued after having a conversation.

What are the Reasons for Hearing Problems?

Hearing problems can develop due to various reasons and can affect different parts of the ear. Have a look below for some of the most common reasons:

  • Injuries

    Accidents can lead to severe damage to the eardrum, which can cause hearing problems. Also, severe head trauma can damage the inner ear or auditory nerves, leading to hearing problems.
  • Earwax Buildup

    Earwax can block the ear canal, making sounds muffled.
  • Infection in the Ear

    Infection can cause fluid buildup and inflation in the ear, hindering the transmission of the sounds to the ear.
  • Ruptured Eardrum

    Loud noise, infection, or injury might rupture the eardrum. This can affect sound conduction and result in hearing loss.
  • Medical Conditions

    Certain diseases like diabetes, high blood pressure, or Meniere's disease can affect the inner ear and auditory nerve, which can lead to hearing loss.
  • Genetics

    Some people inherit a predisposition to hearing loss from their ancestors.
  • Ageing

    As we grow old, the cells in the ear deteriorate naturally leading to a decline in hearing, particularly for high-frequency sounds.

Are Ear Machines Covered by Health Insurance In India?

Although, ear machines are not covered directly by health insurance in India. They are often categorized along with other non-essential medical devices. You can check these exception ways to find some assistance for health insurance.

There are several health insurance plans that give coverage for hearing aids in the form of add-on coverage. But you need to check for it.

  • Star Extra Protect
  • TATA AIG Accidental Guard
  • Star Comprehensive plan
  • Niva Bupa Aspire)

Star Extra Protect is an add-on Cover that enhances the limits of existing covers in addition to offering new features to the base policy

Unique Features

  • Additional SI
  • Enhanced Protection
  • Tax Benefits

Extra- Protect Policy (Pros)

  • Enhanced Room Rent
  • Non-Medical Items Covered
  • Affordable Premiums
  • Baby Food Cover
  • Ambulance Cover

Extra- Protect Policy (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Injuries due to breach of law

Extra- Protect Policy (Other Benefits)

  • Modern Treatment Cover
  • Oral Chemotherapy
  • Robotic surgeries
  • AYUSH Treatment
  • Home Care Treatment

The plan offers coverage for accidental death and disability caused due to accidents.

Unique Features

  • Temporary Total Disability
  • Child Enhancement Benefit
  • Child Tuition Benefit

Accident Guard Policy (Pros)

  • Family Transportation Benefit
  • Air Ambulance
  • Escalation Benefit
  • Loss of Hearing
  • Funeral Repatriation Benefits

Accident Guard Policy (Cons)

  • No Alcoholism Cover
  • No War Injury Cover
  • No Cataract Cover
  • No Suicide Cover
  • No STD Cover

Accident Guard Policy (Other Benefits)

  • Fractures/Burns
  • Total Disablement Cover
  • Hospital Daily Cash
  • Accidental Death
  • Permanent Total Disability

Accident Guard Policy (Eligibility Criteria)

  • Entry Age - 6 Months
  • Max Entry Age - 65 Years
  • SI - NA
  • Waiting Period - 30 Days

This policy is designed to provide complete protection against all health care eventualities to you and your family.

Unique Features

  • Health check-ups for claim-free years
  • Hospital Cash Benefit
  • 100% Automatic Restoration

This plan is designed for youngsters and allows the policyholder to go overseas for treatments.

Unique Features

  • Exclusive maternity benefits
  • Adoption is included
  • Borderless facilities

Niva Bupa Aspire Plan (Pros)

  • Overseas treatment coverage
  • Booster benefit
  • Covers organ donor transplant
  • Second medical opinion
  • Teleconsultation

Niva Bupa Aspire Plan (Cons)

  • No suicide cover
  • No war injury cover
  • Baby food & utility charges excluded
  • Laundry charges excluded
  • No certificate charges

Niva Bupa Aspire Plan (Other Benefits)

  • 4 unique variants of the plan
  • Cash-bag benefit
  • WellConsult OPD Wallet
  • Cashless claim settlement
  • AYUSH Treatment

Niva Bupa Aspire Plan (Eligibility Criteria)

  • Entry age - 18 years
  • Max entry age - No AgeLimit
  • SI - INR 3L to 1 Cr
  • Waiting Period - 30 days

If the hearing loss occurs due to an accident, then the coverage might be provided under post-hospitalisation.

Many insurers have understood the importance of hearing aids in our lives and the effect of financial strain on the people dealing with it. Therefore, insurers are working on creating products that give coverage for hearing aids.

What is the Cost of Hearing Aids in India?

The cost of hearing aids depends on various factors, which include your lifestyle, types, and severity of the hearing loss. For example:

  • High-End:

    This hearing aid is used for those who have major hearing loss and want to hear sophisticated sounds. The cost for this hearing aid is somewhere around INR 3 Lakhs for a single ear.
  • Mid-Range:

    Good for those who want to hear the usual systems clearly. It costs around INR 70,000 for a single ear.
  • Basic:

    Ideal for those who stay at home and want to hear common sounds and talk clearly. The cost of this hearing aid is INR 25,000 for a single ear.

Moreover, before buying any hearing aid, consult your audiologist. Also, you need to understand your requirements for hearing.

Wrapping It Up!

Hearing loss can significantly impact the quality of life. Making everyday tasks challenging and difficult to communicate. Hearing aids offer the solution to improve your hearing and enhance your communication abilities. Moreover, the cost of hearing aids can be high and substantial. Thus, to offer financial assistance, health insurance comes into the picture.

To understand more about health insurance you can reach out to us.

Medical Insurance for Hearing Aids: FAQ's

1. What is the coverage for hearing aids under health insurance plans?

The coverage for hearing aids varies among the health insurance plans. Some plans might offer add-on coverage for the hearing aids.

2. Can I get health insurance coverage for hearing aids in India?

Yes, in case of accidental damage or medically suggested by the doctor, hearing aids will be covered by the health insurance policy.

3. What is the cost of hearing devices in India?

The cost of hearing aids can range from Rs 12,000 to Rs 2,00,000 in India.

4. Does health insurance cover the cost of a hearing aid in case of a genetic disorder?

Yes, health insurance will cover the cost of hearing aids in case of genetic disorders.

Other Health Insurance Companies

What Our Customers Have to Say

Customer Review Image

Raghoba Phadke


April 8, 2024

PolicyX made me buy the Niva Bupa Reassure 2.0 health policy. And the customer care executives are so soft-spoken and compassionate about their customer needs.

Customer Review Image

Akshat R Verma


April 8, 2024

PolicyX suggested buying Niva Bupa Senior First health insurance for my old age parents. I& 039;m happy to gift them good health, thank you PolicyX.

Customer Review Image

Akash Banerjee


April 8, 2024

The team of PolicyX is always open to clear any doubts. I highly recommend buying Niva Bupa health policy from them.

Customer Review Image

Sarthak Parmal


April 8, 2024

I bought Niva Bupa health insurance for my parents, thanks to PolicyX that now I can be prepared for their health needs.

Customer Review Image

Trishna Rohilla


April 8, 2024

I got hospitalized due to an accident and my base policy was not sufficient for treatment. So, PolicyX made me buy the Niva Bupa Health Recharge add-on plan. Now, I’ll be prepared for any...

Customer Review Image

Sunaina Khanna


April 8, 2024

All my queries related to claim settlement ratio for Niva Bupa and claim process were resolved by PolicyX insurance agents

Customer Review Image

Prakash Kaur


April 8, 2024

PolicyX helped me with all my queries regarding the Aditya Birla Active Essential Plan and helped me with the buying process. I am so grateful.

Customer Review Image

Radhika Aneja


April 8, 2024

With the help of PolicyX, I got my health insurance policy from Aditya Birla Health Insurance. They answered all my queries without any hesitation and helped with every process.

Simran Saxena

Written By: Simran Saxena

An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Traveling and writing is her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and solves the reader’s query seamlessly.