Hearing aid co-payment 2026: Festbetrag, 10 € and your own share explained

In short

Three terms get mixed up all the time. The Festbetrag is what statutory health insurance pays per ear. The statutory co-payment is 10 € per hearing aid, which almost everyone pays. The Eigenanteil (your own share) is the difference when you choose more technology than the Festbetrag covers. A device without an own share exists; better technology costs from 34 € per ear per month in the subscription. As of 2026.

The 10 € co-payment

For every medical aid, statutory insurance members pay a co-payment: 10 percent of the price, at least 5 and at most 10 €. For hearing aids that means 10 € per device in practice, so 20 € for both ears. This co-payment also applies to a device without an own share.

If you are exempt from co-payments, you do not pay it. Your insurer grants the exemption once your co-payments in a year exceed two percent of your gross income, one percent for the chronically ill. Bring your exemption card and we will not even book the 10 €.

Hearing aids without an own share

Yes, they exist, and in every one of our shops. The insurer's Festbetrag covers a digital hearing aid with several frequency channels, noise reduction and feedback protection, including fitting and aftercare. We are obliged to offer you at least one such device, and we do so gladly, because for quiet listening situations it is enough for many people.

What these devices lack: automatic programs for several situations, Bluetooth to your phone, a rechargeable battery. Whether you miss that, you notice while trial wearing, not in a brochure.

The own share for more technology

If you want to follow conversations better in the restaurant, at the club or at work, you choose a higher technology class. The insurer still pays its Festbetrag; the difference is your own share. With us that is five classes:

The subscription amounts apply after the insurer's contribution is deducted and include maintenance, repairs, batteries or rechargeable battery and loss protection. If you buy, you pay the own share once; the purchase prices are on the pricing page under "Zum Kaufen".

An example

Mrs K. from Elmshorn hears well at home, but poorly in the choir and at family gatherings. A device without an own share helps her at home, hardly at choir practice. She trial-wears a Basis+ device for two weeks and a High Class device for two weeks. In the end she chooses the High Class, 64 € per ear per month, because she does not want to give up the choir. Had she chosen the insurer-covered device, she would have paid 20 € co-payment and nothing else. Both are right; it depends on your daily life.

What else counts

• Prescription: without a prescription from the ENT practice, the insurer does not pay. You can still take the hearing test with us beforehand.
• Six years: after six years you are entitled to the Festbetrag again, earlier if your hearing has clearly deteriorated.
• Children and adolescents: higher Festbeträge, and the insurer also covers the batteries.
• Private insurance: there is no co-payment but a reimbursement according to your plan. We prepare the cost estimate.
• Repairs: if you buy, free within the warranty, afterwards the insurer contributes a share. In the subscription they are included.

What we tell you beforehand

Before you decide, you receive a cost estimate from us with three numbers: the insurer's Festbetrag, the statutory co-payment, your own share. None of these numbers changes after trial wearing. Book a free consultation in Glückstadt, Horst, Wedel, Barmstedt or Itzehoe.