Are Hearing Aids Covered Under Medical Insurance?
What is the Purpose of a Hearing Aid?
Hearing fatigue is reduced by hearing aids that provide increased clarity with the more recent digital technology available (less strain and clearer hearing). You’ll feel more at ease while listening to the things told on television, having one-on-one talks, hearing clocks strike time, hearing computer sounds, hearing footsteps, etc. Although wearing hearing aids can greatly improve communication, the process does take some time to get used to. Knowing what to anticipate can greatly aid in the transition process.
Who Benefits from Using Hearing Aids?
For those who suffer inner ear injury and hearing loss, hearing aids are helpful. Congenital damage, infections, accidents, exposure to loud noises, or an adverse drug effect are all possible causes of this harm. The middle ear, ear canal, or eardrums may be the source of the issues.
At least one-third of persons aged 65 and above experience some degree of hearing loss due to ageing. Many people do not become aware of this sort of hearing loss until it becomes a major issue since it occurs so gradually. Everyone gets frustrated when family and friends have to repeat themselves loudly and frequently to communicate. Due to the various causes of deafness, not all people can benefit from hearing aids. You can acquire the hearing aid(s) that best suit your needs after having this evaluated by an ENT (ear, nose, and throat) specialist.
How Much Does a Hearing Aid Cost in India – Bharat?
The price is influenced by various elements, including your lifestyle, the type and degree of your hearing loss, the unique features you require in a hearing aid, etc.
Expensive Hearing Aids
If you enjoy an active social life and like to hear fine, complex sounds, these are the hearing aids for you. A single ear may cost as much as INR 3 lakhs.
Mid-range Hearing Aids
This is your best bet if you wish to hear TV or everyday sounds clearly. Typically, a single ear costs INR 70,000 and above.
Budget-friendly Hearing Aids
These are perfect for people who spend a lot of time at home and need to clearly hear every day sounds. The cost may begin at INR 25,000 for one. However, speak with your audiologist to find out the suitable hearing aid for you. In a bid to get a cheaper aid, you might compromise your hearing even more. Have a quality hearing aid for a price you can afford.
Do Health Insurance Policies Cover Hearing Aids?
Most health insurance policies often do not cover hearing aids. The majority of insurance policies cover these expenses together with other wearable medical equipment like eyeglasses, contact lenses, etc. under its usual exclusions.
However, if an insured individual develops hearing loss as a result of an accident or a covered sickness, they may be eligible for compensation under the terms of their policy.
Additionally, a number of health insurance companies in India are becoming aware of the financial strain that these aids may place on individuals. Hearing aids are now covered by certain insurers under optional policies or comprehensive health plans. Along with their standard plans, these extra coverage options are available for a fee. Find out which insurance provider will cover an ear machine by doing some research.
Conclusion
Do not ignore hearing loss if you are experiencing it regularly. A person’s ability to carry out daily activities is hampered by hearing loss, especially in severe situations. Even routine things may become challenging for them, which may prevent them from leading happy lives. For these folks, having access to adequate ear equipment becomes even more crucial. Consult an expert, and if advised, invest in hearing aids because they can significantly improve your quality of life. Most people with hearing loss manage without hearing aids since they are costly and typically not covered by health insurance. Search for the health insurance options and see which covers hearing aids. You may find some offering such aids as an add-on for an extra premium.
Source – probusinsurance.com