Home I'm injured What we cover

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.

What to do if you're injured What we cover Types of ongoing support Types of financial support MyACC - manage your supports online How we manage your claim Get or give independent help with claims Make a complaint Preventing injury

Injuries we cover

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.

Injuries we don’t cover

Your injury must be because of an accident. We won't cover things like illness, conditions from ageing and emotional issues.

Treatment we can help pay for

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 Zealander injured overseas

If you’re a New Zealand resident and you return home with an injury that happened overseas, we can help cover costs.

If you're a visitor injured in New Zealand

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.