Is a hearing aid covered on contents insurance?
Half a million Dutch people use a hearing aid to hear better. A hearing aid is a technological tool that is quite pricey. After all, you need the model that suits you and preferably at the right price. Health insurance often covers (part of) the cost of buying a hearing aid.
After trying out different hearing aids, you were able to make a choice. The hearing aid meets all your needs. What if your hearing aid breaks down due to fire, smoke or water damage? Will the cost of your hearing aid be refunded to you?
If you have household contents insurance, you may receive compensation. In which cases are you then insured and what are the conditions?
What does contents insurance cover in a general sense?
What is covered by household contents insurance? And how does your hearing aid fall within this coverage? We list it for you.
Coverage
Initially, contents insurance covers anything loose in the house. The rule of thumb here is that whatever you want to insure must be easily movable. These are all the things you can take with you when you move, for example. 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. On top of that, you can choose modules that go up per 25,000 or 50,000 euros, depending on your insurer.
For damage to things attached to your home, you can purchase buildings insurance.
Types of damages
Contents insurance covers damage to your contents caused by: fire, lightning, storm, burglary and water damage. Damage caused by natural disasters is always excluded from coverage.
Take out household contents insurance? Calculate your premium!
Hearing aid
Your hearing aid is easy to take with you and thus is not attached to your home. Therefore, your hearing aid is covered under your contents insurance. Your hearing aid is then covered in your home for all of the above types of damages.
Always be careful with your hearing aid, though. Fall and impact damage is often not covered by the basic coverage. For this you need to take out additional coverage on your contents insurance. Do you go out with your hearing aid beyond your yard? Then it is probably necessary to take out additional insurance against damage and theft of your hearing aid.
Contents insurance applies only to damage caused indoors. Some insurers also cover damage around the house, such as in the garden. However, you may again need to take out an additional policy for this.
Take out your household contents insurance easily and quickly online
Are you considering purchasing contents insurance for your hearing aid or other belongings? Then take it out now via our website! Do you still have doubts or questions about home contents insurance? Feel free to contact our customer service. They are ready to answer all your questions.
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