THE ESSENTIALS
Before you start
- Separate devices from services.
- Identify prescription requirements.
- Check intervals and limits.
Distinguish the situations
The Prostheses and Orthoses special condition in Médis individual terms dated August 2025 includes hearing aids where that benefit is contracted, within the particular conditions’ limits. This is an example, not a product recommendation or confirmation of D. Graça’s policy.
That acquisition provision does not establish that all maintenance, batteries or follow-up visits are eligible. Clara requests an answer for each expense, leaving unresolved anything the document read does not establish.
Fictional example
D. Graça receives an estimate for two devices, initial fitting, batteries and follow-up visits. Clara helps her separate the purchase from the services and ask how a future replacement would be assessed. Amounts are not changed to bring them closer to a limit: the information should reflect what will actually be supplied.
Put the distinction to work
Confirm the available benefit, any prescription requirements and the permitted interval for another purchase. Compare the eligible amount with your personal cost, leaving unanswered items visibly unresolved. A later repair should be presented as a different expense from the initial purchase. Through the health insurance guide, RMACHADO GROUP can help organise that comparison without taking over the clinical choice of a device or predicting reimbursement.
KEEP THESE QUESTIONS
Your checklist for the next conversation
- Separate devices from services.
- Identify prescription requirements.
- Check intervals and limits.
- Distinguish repairs from purchase.
FROM THE ARTICLE TO YOUR SITUATION
Let us discuss your situation
Tell us what you want to protect. We review your request and help compare relevant terms. Requesting a quotation does not activate insurance.
Sources and transparency
Content updated on .
Consultation dates are stated in individual references when available.
Numerical examples are fictional and explain concepts. Editorial interpretations are identified in the text.
Information from RMACHADO GROUP. This is not an insurance offer or individual advice. Covers, acceptance, exclusions, sums insured and costs depend on the policy. The intermediary does not underwrite the risks.