I'm not sure.

At my house, my dad just bought my mom extra rollators. One for upstairs, one for downstairs, and one for keeping in the car when we go out. My dad never submitted them to insurance. He just paid outright for them. (something not everyone can do)

My dad also didnt submit the stairlift to insurance either. (also something not everyone can do) It scares me now that my dad is retiring that he wont be able to do things like that anymore if we have to have any more modifications done to the house again.

I think they also make chair lifts that are for helping people in wheelchairs and scooters, but I dont know if you'd have to have the structure of your stairs altered for something like that.