Is a hearing aid covered under home contents insurance?
Half a million Dutch people use a hearing aid to hear better. A hearing aid is a technological device that can be quite expensive. After all, you need to find the model that’s right for you—and preferably at the right price. Health insurance often covers (part of) the cost of purchasing a hearing aid.
After trying out various hearing aids, you were able to make a decision. The hearing aid meets all your needs. But what if your hearing aid is damaged by fire, smoke, or water? Will you be reimbursed for the cost of your hearing aid?
If you have home contents insurance, you may be eligible for compensation. In what situations are you covered, and what are the terms and conditions?
What does home contents insurance generally cover?
What does home contents insurance cover? And how does your hearing aid fit into this coverage? We’ve broken it down for you.
Coverage
First and foremost, home contents insurance covers everything in your home that isn’t permanently attached. The rule of thumb is that the items you want to insure must be easily movable. These are all the items you can take with you when, for example, you move. Think of your furniture and jewelry. You can choose the amount for which you want to insure your household contents. The minimum amount for which you can insure your household contents is often 100,000 euros. In addition, you can choose coverage increments of 25,000 or 50,000 euros, depending on your insurer.
To cover damage to items attached to your home, you can purchase home insurance.
Types of Damage
Home contentsinsurance covers damage to your personal property caused by: fire, lightning strikes, storms, burglary, and water damage. Damage caused by natural disasters is always excluded from coverage.
Want to get home contents insurance? Calculate your premium!
Hearing Aid
You can easily take your hearing aid with you, so it’s not tied to your home. That’s why your hearing aid is covered under your home contents insurance. At home, your hearing aid is covered for all the types of damage listed above.
Always take good care of your hearing aid. Damage caused by drops or impacts is often not covered by basic coverage. To ensure coverage for this, you’ll need to add supplemental coverage to your home contents insurance policy. Do you take your hearing aid with you when you go out beyond your yard? If so, you’ll likely need to purchase additional insurance to cover damage to or theft of your hearing aid.
Home contents insurance only covers damage caused inside the home. Some insurers also cover damage outside the home, such as in the yard. However, you may need to purchase a separate supplemental policy for this.
Take out your home contents insurance quickly and easily online
Are you considering purchasing home contents insurance for your hearing aid or other belongings? If so, sign up today on our website! Do you still have any doubts or questions about home contents insurance? Feel free to contact our customer service team. They’re here to answer all your questions.
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