Basics of cover

Visual

The words 'Basics of cover’ in some clouds with a farmer standing at the forefront.

A document appears with the ACC logo on it. Two more documents appear – a claim document and a criteria document. When the three form together, a tick appears on the front.

Transcript

Narrator – “Having ACC cover means that the claim meets the criteria set out in our legislation. We can then fund the treatment or support needed for recovery."

Visual

A bubble appears and in it is a person with a briefcase walks and slips, falling backwards. Another bubble appears depicting an arm in a cast. Arrows show there’s a connection between the two.

Transcript

Narrator – “At its simplest, there must have been an accident that has caused an injury, and the two must be linked.”

Visual

Two more bubbles appear – one with a leg in a cast, and the other with a person playing netball with an injured knee.

Transcript

Narrator – “An accident must involve the application of force or resistance external to the human body, or a sudden movement of the body to avoid a force or resistance.”

Visual

A person is carrying boxes as they move to a new house. Three circles highlight injuries to their shoulder, back, and knee.

Transcript

Narrator – “It could also involve a series of events over a short time. Injury means there is evidence of physical damage from the accident.”

Visual

New scenes appear depicting a surgeon in an operating room carrying out a procedure on a patient, a farmer shearing a sheep, and a builder sawing wood.

Transcript

Narrator – “We also cover injuries caused when receiving treatment by a registered health professional, and work-related gradual process conditions, diseases, or infections caused by a person’s job.”

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A new scene shows two people talking.

Transcript

Narrator – “Mental injuries can be covered when they’re a result of a physical injury, a traumatic event at work, or a criminal act like sexual assault.”

Visual

A document appears with the word ‘Claim’ on it. Information bubbles form into the claim document. A magnifying class hovers over some of the information bubbles – which have the words ‘Medical conditions’, ‘Diseases’, ‘Pre-existing issues’, and ‘Ageing process’.

Transcript

Narrator – “We consider as much information as we can when making cover decisions. This includes anything the legislation tells us we can’t cover, like medical conditions, diseases, pre-existing issues, or conditions caused by the ageing process.”

Visual

Two new information sheets appear from behind the claim document – one with a stethoscope and the other with the image of a farmer.

Transcript

Narrator – “For more complex claims we may need to know more about an injured person’s medical or work history.”

Visual

The image of the farmer moves to the centre, with question mark bubbles appearing over their head. The question marks disappear, and four new people appear alongside the farmer. A tick appears above their heads.

Transcript

Narrator – “Understanding each unique situation and how the legislation applies can be complicated.  That’s why it’s important that we all work together to make sure anyone who’s injured has the right services at the right time.”

Visual

The ACC logo appears, and below it the words ‘www.acc.co.nz’.

Transcript

Narrator – “There’s more information about ACC and how we can help you on our website, www.acc.co.nz.”