Hörgeräte Krankenkassen Zuzahlung

How much does the health insurance cover?

If you are interested in hearing aids, you may wonder what part of the costs the health insurance fund will cover for you. In Germany, it is generally possible to obtain a grant for a necessary hearing aid. I'm sure finding out will calm you down. Our advisor informs you how far it is possible to obtain a hearing aid via the statutory health insurance with a grant. It may surprise you positively that the statutory subsidies from the German health insurance funds can be up to 1500 euros.

The hearing aid regulation

In order to qualify for such a grant, you must submit a so-called hearing aid regulation. That's basically a prerequisite and you get this from the neck nose ear doctor. There must be a corresponding hearing loss. In the following guide you will receive all information on hearing aids regulation and cost assumption for both private and statutory health insurance. This way you can get the best information and know exactly what costs will be incurred and what you need to support the health insurance fund.

Once you receive a hearing aid regulation from your doctor, it is valid for six months. Most health insurance funds require this Regulation up to 28 days after issue. Therefore, you should visit a qualified hearing aid coach as soon as possible and have your hearing aid adapted. The particularly good news for you is that we will take care of the entire settlement with your health insurance fund as soon as you give us the regulation.

Information on statutory health insurance

The German market currently offers over 1000 hearing aids models that differ in function, design and price. It doesn't have to be expensive for you to buy a hearing aid. Because as a cashier, you can use hearing aids that are even free for you. But remember, you'll have to get a prescription. This regulation will cost you a prescription fee of ten euros. The self-preservation price range can be between ten euros and 3500 euros, as the costs always depend on the respective hearing aid model.

What hearing aid model do you need?

The sickness fund always pays the same amount to your hearing aid. Depending on the variety of functions and shape, you can decide how much you want to pay for your hearing aids. The insurer assumes not only part of the cost of the hearing aid itself, but also the service of the acoustician. There are statutory amounts for this. You are also entitled to a cost-reimbursement by the statutory health insurance fund in the event of a repair of your hearing aid.

What do I have to do to get the health insurance to cover it?

If you want the health insurance to cover the cost of your hearing aid, you first need to see a neck nose-ear doctor. That's where you get checked out. If a hearing test reveals that you have a hearing impairment, such a prescription will be issued from the neck of your nose to the ear doctor. This regulation is a prerequisite for your health insurance fund to cover the costs. At the same time, it means that you are entitled to a hearing aid free of charge.

In which case do I get a hearing aid order from my neck nose ears doctor?

To get your doctor to issue a hearing aid regulation, he'll determine your hearing loss. This is done with a sound audio program, as well as a language audio program. There are predetermined criteria which must all be met in this method of examination in order to obtain the desired hearing aid regulation.

Audiogram Tone

If your hearing loss on your better ear is between 500 and 4000 Hz in at least one test frequency of 30 dB, you will receive a regulation. Such values are determined with an audiogram.

Language Audiogram

In this test the Fribourg Single applied to 65 decibel. If you can't understand more than 80% you get a regulation.

The Federal Social Security Act has stipulated that the health insurance fund will provide support for you to compensate for your physical disadvantages. This is why you have the best possible alignment with the state of the art of medical technology, so that you will have sound hearing.

If your hearing loss is already limited to deafness, the so-called disability compensation is very expensive. In this case, the basic supply through the statutory health care system is usually too short. That's why it's been around since the first. November 2013 an increased fixed amount for such cases. This amount shall comprise at least 786,86 euro. As a percentage, you will also receive a 20% discount for your second hearing aid.

How do you measure hearing loss?

  • No or minor damage: up to 25 dB
  • low hearing: up to 40 dB
  • medium hearing: up to 60 dB
  • severe impairment: up to 80 dB
  • high degree of hearing loss: from 81 dB

Only from the last stage can you count on the increased fixed amount.

When do I get a new hearing aid?

We support you in securing the health insurance contribution from up to 1500 euro. In addition, with our support, you will receive a full promotion for the second hearing aid. Perhaps now you are wondering when you will get a new hearing aid.

Normally, the statutory sickness fund calculates a six-year period of use for hearing aids. If you have a model that is already more than six years old, you will receive a grant from the sickness fund for the new and future hearing aid. The legislator calculates a discount of 20%. The difference will be taken over by us so that your costs will be even lower for you.

Do you have any questions? You are welcome to receive free and non-binding advice from our experts. We'll keep you informed of all the benefits you deserve. If you buy a hearing aid from us, we'll take over the entire settlement and also the bill with your health insurance fund for you.

What is my situation with private health insurance?

In principle, there are differences with regard to hearing aids and private health insurance funds. You may assume, however, that the medical criteria for hearing loss findings by the neck nose ear doctor are the same. There are, however, significant differences in the amounts of refunds. These are based entirely on individual agreements between the patient, or you as an insured person and your private health insurance.

Normally your private health insurance pays a higher-quality device in full. This is not always the case, however.

That's why you can rely on us completely. We support you in finding and adapting the right hearing aid on the market. Together, we'll choose what's best for you. We also promise you that the prices are always cheaper with us compared to other offers.

What requirements does my hearing aid as a cash machine have to meet?

In order to obtain your appropriate quality with your hearing aid, a free hearing aid must always meet certain requirements and meet them. A hearing aid that is free for a cashier can, however, keep up with chargeable models. Such models must be both modern and digital. The minimum requirements therefore include:

  • Four frequency channels
  • Three audio programs
  • Replacement
  • Digital sound processing

According to the guidelines, individual settings must be capable of covering at least four frequency ranges or more. In addition, there must be at least three listening programmes to adapt to different everyday situations. In order to reduce disruptive whistling noise, a feedback suppression shall be provided. Other side noises should be able to be hidden.

What is the difference between free hearing aids?

Maybe you're wondering what the difference is between models that are too expensive to pay. If the desired hearing aid exceeds the fixed amount of 786,86 Euro for the new device, you must pay the difference yourself.

Typical features and extensions include the following:

  • Automatic adaptation to various hearing situations
  • hearing 360th
  • Frequency
  • Bluetooth technology

How does the health insurance bill work?

I'm sure you'll be happy to know that we're taking over everything for you when it comes to the health insurance bill. I mean, you don't have to worry about anything else. Because we are the service providers, we send the health care announcements and the regulation itself directly to your health insurance fund. If you have a private health insurance, we will charge directly to your private fund for the cost of your hearing aid. According to the price agreements, you will receive your hearing aid, just as it was previously agreed with the private health insurance.

That's why it doesn't matter to you how you're insured when it comes to finding a safe and easy way to your perfect hearing aid.

We support you!

If you are looking for a hearing aid that fits perfectly with your everyday situations, we support you to 100%. You can rely entirely on our service. If you have any questions about billing, payment, price or hearing aids, please contact us at any time. We not only inform you about the general practice of hearing aid coaching, but we give you all detailed background information about all the services related to your hearing aid. Therefore, you should not hesitate to contact one of our hearing aid experts right away. Our information is neutral, non-binding and free of charge. With us by your side, you'll hear better soon. We look forward to seeing you!

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