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Hearing and hearing aid insurance
At JORI&, we understand the importance of maintaining good hearing health and help you enjoy the sounds of life whenever you want.
In short
What is hearing insurance
Hearing insurance covers periodic hearing check-ups, the adaptation of hearing aids and their renewal, as well as repair or replacement in case of breakdown, breakage or loss. It is a relevant cover because a pair of mid-range hearing aids easily exceeds €2,000 and public healthcare only finances them in very limited cases, mainly in minors.
Advantages
Advantages of hearing insurance
Turn a large and recurring expense into a small fee, and add follow-up that almost no one does on their own.
A strong outlay, spread out
Renewing a pair of hearing aids costs several thousand euros every few years. With a policy, it becomes a predictable monthly fee.
Replacement if lost
They are tiny devices used daily and are frequently misplaced. The replacement guarantee avoids having to repeat the entire purchase.
Follow-up that prevents deterioration
The periodic check-up detects gradual loss before the person notices, who is usually the last to realise.
Caring for the ear is caring for the mind
Being able to follow a group conversation again restores social life, and with it the stimulus that research links to preserving cognitive function. The effect goes far beyond hearing.
Profile
Who it is for
People with hearing loss
Those who already use hearing aids and face renewal every four or five years.
Over 55s
Age group where presbycusis begins to manifest and early detection makes a difference.
Workers exposed to noise
Industrial profiles with accumulated risk of hearing loss due to prolonged exposure.
Families with minors
Early detection in children, where the impact on language development is crucial.
Technical criteria
Why it deserves attention
Hearing loss is normalised for years before being treated, and this delay has consequences.
High and recurring cost
A pair of mid-range hearing aids costs between €2,000 and €4,000, and their lifespan is around five years.
Limited public cover
Public funding is focused on minors and certain degrees of loss, leaving most adults out.
Consequences beyond the ear
Untreated hearing loss is associated with social isolation and accelerated cognitive decline, making it a general health issue.
Frequent loss and breakage
They are small, daily-use devices. Without replacement cover, unexpected expenses are considerable.
Scope
Main covers of hearing insurance
- Audiometries and regular hearing check-ups
- Hearing aid adaptation with follow-up by an audioprosthetist
- Periodic renewal of devices according to the contracted modality
- Repair for breakdown and replacement for breakage or loss
- Consumables, moulds and device maintenance
- Access to a network of approved hearing centres
The definitive scope depends on the wording of each insurer. We review it with you before recommending anything.
The JORI& method
Cómo trabajamos
El mismo método en cualquier solución: entender la exposición real antes de mirar una prima.
Análisis del riesgo
Estudiamos la actividad, el patrimonio y los escenarios plausibles. Sin ese diagnóstico, comparar pólizas es comparar precios de cosas distintas.
Diseño del programa
Definimos coberturas, límites, franquicias y exclusiones aceptables. Decidimos qué se transfiere al asegurador y qué se retiene de forma consciente.
Negociación con el mercado
Presentamos el riesgo a las aseguradoras con las que trabajamos y negociamos condiciones. Somos independientes: no pertenecemos a ninguna compañía.
Acompañamiento y siniestros
Revisamos el programa cada renovación y, cuando ocurre el siniestro, actuamos como tu parte técnica frente al asegurador hasta el cobro.
Frequent doubts
Lo que más nos preguntan sobre hearing insurance
How much do hearing aids cost?
Between €1,000 and €2,000 per unit depending on the range, i.e., between €2,000 and €4,000 for a pair. Their lifespan is around five years, so it is a recurring expense that is advisable to plan for rather than face all at once.
Aren't they covered by public healthcare?
Public funding is focused on minors and certain degrees of hearing loss, with amounts that rarely cover the total cost. Most adults bear the expense entirely on their own.
How often are they renewed?
The usual clinical recommendation is every four or five years, both due to device wear and the progression of the hearing loss itself, which often requires recalibration or a change of range.
Does it cover if I already have hearing loss?
It depends on the degree and whether it is declared at the time of contracting. An already diagnosed loss usually affects the renewal cover, although the repair and replacement of the device can still be contracted. Declaring it is always what ensures that the policy responds.
What happens if I lose a hearing aid?
The replacement guarantee covers the substitution, usually with a deductible or a limit on replacements per period. It is one of the most commonly used covers in practice, given the size of the devices.
Is it worth it if I hear well?
The periodic check-up has value in itself: presbycusis progresses gradually and those who suffer from it are usually the last to notice. Detecting it early allows intervention before it affects social life and, according to available evidence, cognitive function.
Hearing
Hearing well is part of health
We explain exactly what each modality covers and what fits your current hearing situation or that of a family member.
- Independent broker: we do not belong to any insurer
- The specialist in the field you consulted answers you
- The review is delivered in writing, policy by policy
