- What are hearing aids?
- Health insurance plans for hearing aids
- Cost of hearing aids
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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)
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.
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Medical Insurance for Hearing Aids: FAQs
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.
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Written By: Simran Saxena
Simran has over 3 years of experience in content marketing, insurance, and healthcare sectors. Her motto to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.
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