As small as hearing aids are, they are quite expensive. For that reason, you should consider insuring them. Some of the insurance options include an ounce of prevention, manufacturer insurance, contents insurance, pension, pet care, and travel insurance, among others. With hearing aid insurance, you do not have to worry about whatever it is that can cause you to lose the piece. The insurance company will get you fitted with another one within a short time.
You should always put your hearing aids in their case as soon as you take them off, and then keep the case in a safe place. Due to their size, it is relatively easy to get them lost if you do not make an effort to keep them safe. When kept in the pockets, for example, they can end up falling or even find their way into the washing machine. Such mishaps can happen and probably will, which is why you should get Hörgeräteversicherung, and have peace of mind.
Some of the insurance options for hearing aids are highlighted below.
Manufacturer Insurance
Manufacturers usually offer a warranty that lasts a couple of years for their hearing aids. In addition to that, they may also offer a one year damage and loss warranty as well. However, there are usually some exclusions and limitations. You should always read all the terms and conditions carefully do determine the extent to which you are covered. An excess payable is also applied to replacement hearing aids, but the amount is usually significantly lower than the cost of buying a new one.
Contents Insurance
If you have home contents insurance, your hearing aid replacements may be covered against theft or loss in the policy. However, you should not assume that it is. Make sure that you check with the insurance company to be sure. If they are included in the policy, check on the specific qualifications regarding when they will make a payout. Some insurers may require that you list your hearing aids specifically as a separate item on the policy.
Pet Care Insurance
Hearing aids, especially the in-ear type, can end up being a chew toy or snack for your curious pet. For that reason, you should always keep the hearing aids out of your pet’s reach. As much as your insurer may cover the hearing aids, it is harmful to your pet. The best insurance is thus to keep them safe.