Health fund rebates for hearing aids, A to Z
If you have extras cover, your health fund may pay part of the cost of your hearing aids. Below is every Australian health fund from A to Z, an example of what each pays, and where to check your own policy.
How it works
How a hearing aid rebate works, in 4 steps
- Check your extras cover includes hearing aids. Most mid and top extras policies do. Basic ones often don't.
- Check you've served the waiting period. It's usually 12 months, and some funds ask for 24 or 36 months.
- Get your hearing aids fitted. We give you an itemised receipt with everything your fund needs.
- Claim from your fund in its app, online or in store. The rebate is paid straight to you.
What it could mean for you
An Advanced pair from EarDoc is $5,490. If your fund pays $1,200 towards them, they cost you $4,290 after the rebate. Our prices are the same for every brand, so your rebate goes just as far whichever brand suits you.
5 questions to ask your fund
- Does my extras cover pay for hearing aids?
- How much will you pay, and is that per hearing aid or per pair?
- How often can I claim: every 3 years, or every 5?
- Have I finished my waiting period?
- What do you need from my audiologist to claim?
Good to know
- Medicare doesn't pay for hearing aids. Your health fund's extras cover is the usual way to get money back.
- Pensioners and veterans may get hearing aids at no cost through the government Hearing Services Program. If you choose a top-up, your health fund may pay part of the gap, so ask your fund. See if you qualify.
- Your 21-day trial still applies. If you return your hearing aids, we refund you, and you don't need to claim.
Every health fund, A to Z
| Health fund | Who can join | Example hearing aid benefit (top extras policy) | Waiting period | Check your policy |
|---|---|---|---|---|
| ACA Health Benefits Fund | Some groups only | Complete Ancillary: $1,500 every 3 years | 12 months | Compare |
| ahm health insurance | Anyone | Super Extras: $1,600 every 3 years | 12 months | Compare |
| AIA Health Insurance | Anyone | Not listed. Ask the fund. | Ask the fund | Compare |
| Australian Unity | Anyone | Advanced 80% Extras: $600 every 3 years | 12 months | Compare |
| Bupa | Anyone | Top Extras: $1,000 yearly limit | 12 months | Compare |
| CBHS Health Fund | Some groups only | Top Extras: $1,600, one every 3 years | 12 months | Compare |
| CDH Benefits Fund | Anyone | Not listed. Ask the fund. | Ask the fund | Compare |
| Defence Health | Some groups only | Premier Extras: $1,500, once every 3 years | 12 months | Compare |
| Doctors' Health Fund | Some groups only | Total Extras: $800 per hearing aid ($1,600 a pair), every 5 years | 24 months | Compare |
| GMHBA | Anyone | Top Extras: $1,500, one every 3 years | 12 months | Compare |
| GU Health | Anyone | Not listed. Ask the fund. | Ask the fund | Compare |
| HBF | Anyone | Top 70: $700 every 3 years | 12 months | Compare |
| HCF | Anyone | Top Extras: $800, rising to $1,800, renews every 5 years | 12 months | Compare |
| HCi (Health Care Insurance) | Anyone | Premier Extras: $3,320, one every 3 years | 24 months | Compare |
| HIF (Health Insurance Fund of Australia) | Anyone | Premium Options: $600 every 5 years | 36 months | Compare |
| Health Partners | Anyone | Not listed. Ask the fund. | Ask the fund | Compare |
| Latrobe Health Services | Anyone | Premier Extras: $1,000 every 5 years | 12 months | Compare |
| Medibank | Anyone | Top Extras: $400, includes repairs | 36 months | Compare |
| Mildura Health Fund | Anyone | Five Star Extras: $1,000 every 5 years | 36 months | Compare |
| Navy Health | Some groups only | Premium Extras: $1,300, one set every 5 years | 12 months | Compare |
| nib | Anyone | Top Extras: $1,200 | 36 months | Compare |
| onemedifund | Anyone | Gold Hospital and Comprehensive Extras: $1,500 every 5 years | 24 months | Compare |
| Peoplecare | Anyone | Premium Extras: $1,500 every 5 years | 24 months | Compare |
| Phoenix Health Fund | Anyone | Complete Extras 70: $2,000 every 3 years | 12 months | Compare |
| Police Health | Some groups only | Rolling Extras: $1,200 every 5 years | 12 months | Compare |
| Queensland Country Health Fund | Anyone | Not listed. Ask the fund. | Ask the fund | Compare |
| Reserve Bank Health Society | Some groups only | Premium Extras: $5,440 over any 5 years | 12 months | Compare |
| RT Health | Anyone | Premium Extras: $1,200 every 3 years | 24 months | Compare |
| see-u by HBF | Anyone | Not listed. Ask the fund. | Ask the fund | Compare |
| St Lukes Health | Anyone | Not listed. Ask the fund. | Ask the fund | Compare |
| Teachers Health | Some groups only | Top Extras: $1,200, rising to $1,800 after 5 years | 12 months | Compare |
| TUH Health Fund | Some groups only | Comprehensive Extras: $2,000 ($1,000 per ear) | 12 months | Compare |
| Westfund | Anyone | Ultimate Extras: $2,000 every 3 years | 36 months | Compare |
All 33 registered funds, as listed by the Australian Government at privatehealth.gov.au. Example benefits and waiting periods are as published by Finder (updated 7 October 2026). Lower extras policies usually pay less, or nothing, for hearing aids. Funds change their benefits often, so always check your own policy before you buy. Last checked by EarDoc on 9 November 2026.
Where to find out more
We want you to check everything here yourself. These are the sources we used, and the best places to go for more information:
- privatehealth.gov.au: the Australian Government's private health insurance website. Compare policies, and read any policy's Private Health Information Statement to see exactly what it pays for hearing aids.
- The government's list of every health fund, with links to each fund's policies.
- Finder: Does health insurance cover hearing aids? (updated 7 October 2026), for example benefits by fund.
- Hearing Services Program (Department of Health), for pensioners and veterans.
- Your own health fund: call them or check their app. They are the only ones who can tell you exactly what you'll get back.
Questions? Call us on 02 8530 7200. We're happy to help you work out what you'll pay after your rebate.
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