What can you insure your hearing aid against? 

If you wear a hearing aid on a daily basis, then this device is obviously very important to you. However, many things can happen to you - or to your hearing aid. Your device might be stolen or experience malfunctions. That's why it can be useful to get insurance. That way you can replace your hearing aid as soon as possible.

Although hearing aids have a manufacturer's warranty, they are not insured against loss or theft by default. There are several insurance companies who offer insurance packages specifically for hearing aids. 

Hearing aid insurance for a defective hearing aid: standard 2 years 

A hearing aid has a standard 2 year factory guarantee, at Online-HearingAids you can extend the warranty period from 2 to 5 years for 99,- euro per hearing aid, or 199,- euro per hearing aid when outside of Europe. Should the hearing aid be defective, it will first be investigated whether this was caused by normal use or by improper handling. If the hearing aid is found to be defective due to improper handling, this will not be covered by the warranty and a charge will be made.

What should I do if my hearing aid is defective?

Is your hearing aid defective? Please go through this checklist. There you will also find instructions on how to send the hearing aid for repair if necessary.

Important: Do not attempt to repair the hearing aid yourself without consulting your audiologist! If you do and it goes wrong, the repair is not covered by the warranty. Your hearing aid insurance will also not cover this.

Should you have a hearing aid insurance and there are costs involved with the repair, you can claim these costs from your insurance company.

Hearing aid insurance for a lost device

If you have lost a hearing aid and you are insured for this, you can claim the costs of replacement at the insurance company. Most insurance companies do not use a depreciation scheme, which means that they reimburse on the basis of replacement. So even if the hearing device is four years old, they will reimburse the amount that the lost hearing device is insured for.


  • Make sure that you put the hearing aids in a fixed place when you take them out. You will always be given a storage box when you are first fitted, so keep it in a safe place and put your hearing aids in it when you take them out.
  • If you find that your hearing instrument does not stay in place, contact your hearing care professional right away. The audiologist can look for a solution to keep the hearing aid in place and secure, so that you do not lose it while wearing it.
  • If you have lost your hearing aid, for example because it was stolen, report this immediately to the authority/police. If the hearing aid is found, they can contact you.

Is insurance for a hearing aid deductible?

If you buy a hearing aid that is not covered by your health insurance, you will have to (partially) pay for this yourself. You can usually deduct these costs from your tax return. The additional insurance for a hearing aid is not deductible.

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By Yvan Karman