Hearing Aids & Health Insurance – Cost Coverage Explained Simply
Learn when health insurance providers cover hearing aids, which requirements apply, and how cost reimbursement also works with an online-supported hearing aid provision.Brief and clearly explained:
Statutory health insurance providers cover a fixed subsidy for hearing aids when there is a medical necessity. A medical prescription—usually issued by an ENT specialist—is required. Cost coverage is also possible for online-supported hearing aid care without traditional in-person appointments, provided that the medical process is fully complied with.
The most important facts about health insurance coverage
- Statutory health insurance providers pay a fixed amount per ear
- The exact amount depends on the insurance provider
- A medical indication is required
- A medical prescription is mandatory
- The chosen care pathway must be accepted by the health insurance provider
Does health insurance also cover hearing aids with online care?
Yes – under clearly defined conditions.
Health insurance providers also cover costs when parts of the hearing aid provision take place online, provided that:
- a medical prescription is available
- the fitting is professionally supervised
- an ENT specialist is integrated into the process
- the medical quality is fully maintained
Online-supported care does not replace medical steps; it reduces organizational effort.
The differences between online hearing care providers & local hearing aid specialists are explained here objectively
Traditional pathway vs. shortened care pathway
Traditional pathway
- multiple on-site appointments
- selection in a local hearing-aid store
- fitting exclusively on-site
- health insurance billing possible
Shortened care pathway
- hearing aid selection online
- personal online fitting
- fewer on-site appointments
- health insurance billing possible
Both pathways are medically approved if carried out correctly.
When does health insurance pay for a hearing aid?
Health insurance covers costs when:
- a relevant hearing loss is present
- an ENT specialist recommends the treatment
- a medically adequate care solution is chosen
Full cost coverage is possible when a zero co-payment model is selected. For premium hearing aids, an additional private payment may apply.
Assessment by a Master Hearing Care Professional
In the following video, a master hearing care professional classifies hearing aid provision from a medical perspective and explains what health insurance providers actually consider in their evaluation.
This video is in German. You can enable English subtitles in YouTube (“CC”) or use auto-translate.Source: Assessment by a Master Hearing Care Professional, Co-Founder of Mr. Hear.
How to check your personal situation
Whether your health insurance supports the shortened care pathway depends on your insurance provider and the medical process. You can check this with us free of charge.
Free of charge · no registration · takes about 1 minute
FAQ
Does every health insurance provider pay for hearing aids?
Yes, statutory health insurance providers pay a fixed subsidy in case of medical necessity.
Do I always need an ENT specialist?
Yes, a medical prescription is required for cost coverage.
Is online hearing aid care reputable?
Yes, if it is medically supervised and correctly implemented.
Is online hearing aid care reputable?
Yes, premium hearing aids may require an additional private payment.