hearing aids health insurance switzerland
Insurance

Health Insurance for Hearing Aids in Switzerland Explained

October 22, 2024 - Daniel Dreier

Are hearing aids covered by Swiss health insurance? Find clear information in this guide.

Getting high-quality hearing aids costs a lot of money. A good hearing aid can easily cost thousands of Swiss francs. Many residents of Switzerland assume that if they ever require a hearing aid, it will be covered by compulsory health insurance. In fact, that is not always the case. But social security disability insurance (DI) and old age and survivor’s insurance (OASI) pay out flat benefits towards hearing aids as well.

Hearing aid coverage from the OASI

Hearing-impaired pensioners are eligible for a flat OASI benefit of 630 francs for one hearing aid or 1237.50 francs for two every five years. The flat benefit is always the same, no matter how much the hearing aid cost. You can even pocket the difference in the unlikely case of the flat benefit being higher than the actual cost of the hearing aid. In order to claim this benefit, you have to be diagnosed with hearing loss by an ear, nose and throat doctor.

Hearing aid coverage from the DI

Adults insured by social disability insurance (DI) are eligible to receive a flat benefit of 840 francs for one ear and 1650 francs for both ears every six years. You get this flat benefit regardless of what your hearing aid actually costs. For minors, the DI covers the actual cost of the hearing aid (up to the current limit). To be eligible for this benefit, your hearing loss must be officially diagnosed by an ear, nose and throat doctor.

The DI also pays out a flat benefit towards the cost of batteries (40 francs per hearing aid for adults, 60 francs for minors). A flat benefit towards the cost of necessary repairs is available from the hearing aid’s second year in operation.

Hearing aid coverage from mandatory health insurance

Mandatory health insurance covers the costs of hearing aids which are on the official list of covered medical aids (MiGeL), but only if you do not receive benefits from accident insurance, the OASI, or the DI. Compulsory health insurance will not pay benefit in addition to those you receive from the OASI, DI, or accident insurance.

Hearing aid coverage from supplementary health insurance

Some supplemental health insurance offers provide additional coverage for hearing aids which extends the OASI and DI benefits. Hearing aids fall under the broader coverage for medical aids.

Supplemental outpatient
insurance offer
Coverage for hearing aids
Assura Complementa Extra CHF 500 per calendar year.
Atupri Mivita Reala 50%, max. CHF 750 per calendar year.
Atupri Mivita Extensa 50%, max. CHF 1000 per calendar year.
Axa Plus 90%, max. CHF 1000 per year.
Axa Complet 90%, max. CHF 2000 per year.
Concordia Diversa 50%, max. CHF 1000 per medical aid type.
Concordia Diversa Care 50%, max. CHF 1000 per medical aid type.
Concordia Diversa Plus 50%, max. CHF 2000 per medical aid type.
Concordia Diversa Premium 50%, max. CHF 2000 per medical aid type.
CSS myFlex Balance 90%, max. CHF 500 every 5 years.
CSS myFlex Premium 90%, max. CHF 1000 every 5 years.
Groupe Mutuel Optimum 90%, max. CHF 2000 per calendar year.
Groupe Mutuel Premium 90%, max. CHF 5000 per calendar year.
Helsana Top 90%, max. CHF 1000 per calendar year.
Helsana Completa 90%, max. CHF 1500 per calendar year.
KPT Plus / Comfort CHF 200 per calendar year.
Sanitas Vital Basic 90%, max. CHF 1000 per calendar year.
Sanitas Vital Smart 90%, max. CHF 1000 per calendar year.
Sanitas Vital Premium 90%, max. CHF 1000 per calendar year.
SLKK Qualicare Basis 75%, max. CHF 300 per calendar year.
SLKK Qualicare Comfort 75%, max. CHF 500 per calendar year.
Swica Completa Top 90%, max. CHF 200 per calendar year.
Swica Forte 90%, max. CHF 200 per calendar year.
Swica Supplementa 90%, max. CHF 500 per calendar year.
Swica Optima
(rider for Completa Top / Forte)
90%, max. CHF 300 per calendar year.
Sympany Plus 50%, max. CHF 250 per calendar year.
Sympany Premium 50%, max. CHF 250 per calendar year.
Visana Ambulant II 90%, max. CHF 1000 per year.
Visana Ambulant III 90%, max. CHF 2000 per year.

Offers can change at any time. moneyland.ch does not make any claims as to the completeness of this list.

 

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Selection of offers

Supplementary Insurance

Concordia Diversa Plus

  • Outpatient and inpatient coverage in the event of emergency abroad

  • Contributions towards search and rescue costs worldwide

  • Contributions towards vaccinations, corrective dentistry, as well as spectacles

Quote

Atupri SmartCare

  • Telemedicine model

  • Managed Care Model

  • Free quote

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Supplementary Insurance

Concordia Diversa Plus

Outpatient and inpatient coverage in the event of emergency abroad

Request now for free

Leading credit cards

Free credit card

Swisscard Cashback Cards Amex

  • No annual fees

  • Two cards Amex & Visa/Mastercard

  • With cash back

Free credit card

Migros Cumulus Visa

  • No annual fees

  • With Cumulus points

  • Without foreign currency fees

Editor Daniel Dreier
Daniel Dreier is editor and personal finance expert at moneyland.ch.
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