I'm injured

What to do if you’re injured, types of injuries we cover, different ways we can support you, and getting help with a claim.

Our no-fault scheme covers everyone in New Zealand if you're injured in an accident. It doesn’t matter who you are or what you were doing when you were injured.
Your injury must be because of an accident. We won't cover things like illness, conditions from ageing and emotional issues.
We can help pay for a range of medical, health and treatment costs if we cover your injury. You may have to pay for part of your treatment costs.
If you’re a New Zealand resident and you return home with an injury that happened overseas, we can help cover costs.
You’ll receive the same cover as everyone else if you have an injury while visiting New Zealand – it doesn’t matter if you’re not a resident.